If the marketing is on point than you only have 3 options - 1.

San Diego has many options like STR's to cash flow more since we have 35 Million visitors are year to SD. 

Furnishings that are easy to clean, along with amenities like high-speed internet and pet-friendly options, go a long way.

Plenty of options if you have equity/assets and an exit strategy. 

The current option that we are looking at is buy, live in 1-2 months of the year, convert to MTR or STR for the other months (especially since we are flexible on our end). 

Impossible Note due to the worse financing options alone $250k on an ADU would equate to a lot more than $250k on a property.  

On the other hand, owning rental properties gives you full control and the best tax perks but also requires the most work and risk management.Whichever option you lean toward, always diversify across deals and sponsors, and don’t hesitate to ask for references or do background checks.

Sometimes the cheapest option isnt the best option, and most over-the-phone rate quotes (saying "I have 800 credit and 20% down, what's your best rate?")

I wasn't able to find/ see my own reviews as a guest.I use OwnerRez and they have an option to add insurance which I pay for but I bundle into my overall pricing.

@Brock Bernall As a rookie House hacking is the best for getting started has the lowest risk and best profit for a low down payment option.