I may have to Teak my strategy in light of the excellent advice you provide here, Henry.  

@Shayan SameerOK - seemed like you were, can you provide more info? 

My husband and I are licensed financial professionals and we love to educate on IULʻs or different types of policies that can assist in situations such as these! 

You can fix this by talking to the utility provider about creating "equal billing" or whatever they call it in your area.

Not here to provide an  endorsement or be critical of the lenders on this list but volume is not by any means an indicator I would rely upon when selecting my banking relationships.

RM-4.5 zoning would allow for a higher unit count and could provide more flexibility for future development, regardless of ADU policy changes.One potential benefit of rezoning before any citywide expansion is that it might allow you to lock in additional density rights ahead of any potential restrictions or revisions the city could impose when expanding the program.

These are professionals with additional training and a stricter code of ethics.

Secondly, short-term rentals provide flexibility for owners, allowing them to potentially use the property themselves when not rented out.

Look for professionals who understand the unique needs of real estate investors.

Did you work with any real estate professionals (agents, lenders, etc.) that you'd recommend to others?