You quantify losses due to withdrawing your 401k - then you leave the real estate investing completely vague.

You found a new tenant immediately, so there's no financial loss to you except for the time spent marketing, screening, etc. 

You still cannot benefit from pass through depreciation and carry forward losses to offset tax liabilities from their active source of income. 

Every time it was handled differently  LOLIt should still be up to 25% (it could be less if your marginal bracket was less, but its not in your OP).Incidentally, you can offset the depreciation recapture with capital losses.  

When there is a storm, the entire state sucks up the losses by raising premiums.

-If the person dies later than expected, I face a financial loss. 

the property with the most 3-5 year stuff should be on your short list to sell now if you're cash-strapped and you can at least cut your loss without having to inject more cash. 

Add the finance issues, level or effort it requires, loss of something from primary unit (even if it is just yard), and the amount of time between first capital outlay and initial income.In general, adding a ground up ADU in SF zoned area is a poor investment.  

In addition, the lender is going to incur costs including losses do to the time value of money if you stop paying and they have to take the property back.

If developers aren’t building because it cost too much due to inflation, and why would developers spend all this money to build and then take a loss on the sale?