In San Francisco county for example population decreased 7.4% and house prices decreased 6% so a decline in population should impact house prices?!

I was simply using a metaphor to help explain tax's impact on commerce, that's it. 

I am not sure how the owner occupancy requirement of the JADU impacts value, but is will impact value as there are many RE investors who do not want to owner occupy.You should be able to determine the value by calculating NOI and knowing the market cap rate.  

Usually people with 700+ credit score are serious about their finances and don't want anything to negatively impact them (late or no payments)

What programs or masterminds have you found to have the biggest impact on your real estate career? 

Landscaping, lighting, overall appearance can impact the "first impression" of future tenants. - Are their ways to add other income streams to the building such as: washer dryers, parking, storage units, etc... - Also, spend some time before/after to drive by comparable properties in the neighborhood to understand your competition and the rents they are asking. 

The shorter the prepayment term has an impact on increasing the rate.4.

How long can you sustain this before it severely impacts your finances?

The shorter the prepayment term has an impact on increasing the rate.4.

The shorter the prepayment term has an impact on increasing the rate.4.