It's important to communicate with your lender as soon as possible to discuss your options.

This would imply AA has an effective tax rate of ~3.5% for an investment property 

The conversation covers issues like the impact on property values, tenant rights, and the broader effects on the real estate market. 

The ability to effectively self manage would depend on the scale you are trying to buy. 

I recently completed one on a multifamily property and found it to be a cost-effective approach.That said, there are a couple of additional factors to consider beyond the code differences between a garage conversion and new construction:Coastal Overlay Zones – If your property is in a coastal overlay, building a ground-up ADU may require Coastal Commission review, which can add time and complexity to the process.

Over months of working with her, I encountered severe issues, including:Lack of Communication & Accountability – Corina ignored multiple emails for weeks or even months, providing misleading or vague responses instead of real updates.

If your 401K is with your current employer, it is (effectively) impossible to make it an SDIRA. 

I started out with a great cleaning company that did great work but the owner and I were not a good fit, they cleaned well but she didn't like my over communication. 5.) 

If they find out you've communicated off-platform with a guest like this one is requesting, they may boot you off their platform. 

Continue documenting your efforts to re-rent and communicate clearly to avoid disputes.