The issue is building a single small residential unit is some of the most expensive development.Here is a list of why adding a single ADU in single family zoned areas in my CA market is typically a poor RE investment:1) The value added by the ADU addition is often significantly less than the cost of adding the ADU.

There is nothing in the guidelines that states that you are NOT able to rent out the property as a transient stay throughout the year. 

Fatal mistake to buy that on the forward curve.My recommendation would be to get out of this position; the STR is in an extremely oversaturated market and the underlying asset is a clone of many.

I hope it works out.

Find a 2-4 unit multi and live in one of the units.

Customer Service and SupportIs there a dedicated business banker you can reach out to?

If you buy a property with a tenant already there, what if the home needs a lot of rehab when they move out?

It was kind of a bad spot in my life at the time.

Their businesses have a lot of names, hard to keep up.

Michelle Wang,With all due respect, you should make plans to be in another business once you're out of Real Estate Investing (Residential, Income Property).There are Members of our MassRealEstate dot net Association that come crying to me about similar situations as yours i.e.