Long story short I have never put more than 10% down on a loan and I have never use FHA.   

Water and sewer about 200 yards away.  1 mile to the main highway.  

1) 20% down will allow you to do a conventional investment loan, but you will have to either:- Qualify with the new payment + your current payment- Lease the property out, allowing the lender to use 75% of the monthly rent to offset the mortgage (confirm with a lender).2) You could also do a DSR 20% down loan, but the interest rate will be much higher than conforming rates.3) If less than 20% down, you could:- Do a 10% 2nd home loan as long as the new property is at least 50 miles from your current home or near a qualifying vacation spot (confirm with a lender).- Do a 5% down conventional mortgage if you plan to rent out current home and live in the new one for at least 12 months.

., I looked up the San Diego ADU bonus program. 15 years is not a long time to be deed restricted!

(Why not just rent as furnished long term at this point?) 

We have a lot of owners convert to Mid Term or Long Term rentals.  

@Kayla M.Have your agent check in a mile or half mile radius for other investors in the area and try to reach out.

Unsolicited phone call offering to buy a condo I own 500 miles away in Texas panhandle.  

Hello Christina - we recently acquired a home in Banner Elk that's just over a mile from the Sugar Mountain entrance.

OUTSIDE of coastal counties/cities (within 60 miles of the Gulf & East Coast), wind/hail deductibles are typically 1% or 2% of the building limit on file, and can many times come with a minimum deductible as well (typically $5,000 or $10,000).