Even simple stuff like locking the door at the end of the day or turn water off at the main shutoff were a challenge. 

Doing some risk analysis.Let’s say I buy a property now and market value drops soon by 20% is it better to have less downpayment such as 20%.  Or if it is better to have / had 40% (either higher down or big lump sum t...

While I agree with Collin on location, views and water front, I also think you can stand out by being unique.

What about the hot water? 

Are they on one water meter or 4 separate? 

Water/ power metered ind.

The issue related to habitability is likely mold due to the water damage.

The house is not on a water.

Wildfire risk is also nearly non-existent close to the coast, and haven't yet heard of hurricanes or tornadoes, but you will notice a tsunami sign or two..Electricity, water and general operating costs are surprisingly 'affordable.'

The most pressing, and i cant seem to find a true answer from the the building department OR the utility companies is if I need to have separate meters (Electrical, gas, water) for my ADU and main home.