The times have changed on this though, the buyers have become very skeptical on solar, and have demanded that the balance be paid off by the seller at the close of escrow.

Tons of things can change a banks trajectory for what they do reupping a loan.Your loan balance is different now, the years left on primary lease are different.The bank might say to do a new loan you need DSCR of 1.25 now instead of 1.10 for example.

I could also argue that building costs and building codes change over time.

Nothing changed.

-Have you seen a change in demand for student rentals?

It should include a few exhibits attached like a scope of work, a blank change order form, a final layout illustration, and a lien waiver (for the final payout) that they sign before starting.

For instance, the latest regulation in my state starts: "830 CMR 64G.1.1 repeals and replaces the regulation formerly titled as "Establishments Subject to the Room Occupancy Excise" and reflects the statutory changes enacted by St. 2018, c. 337 and St. 2019, c. 5."

If you are living in a place that is satisfactory why not change the arrangement with the landlord?  

I've seen where people add so many loan extensions with optional payment.Say 1k gives you a 1 or 2 year extension and this can be done 4 or so times.This agreement could be changed so many ways to make it work.You could offer a higher interest rate after 7 years to extend to 15 years.

So I am military, originally out of CA so it's my "home state"/residency but very easy for me to change as I am stationed out of CA and have been for a long time.I own several properties in CA and one in WA.