For example for a rental with $2700/month rent with folling scenarios, how much mimum income would be considered adequate?

To omit that unreported loan is considered to be bank fraud.

Since your properties have significant equity and low interest rates, you could consider refinancing just enough to maintain strong cash flow.House Hacking:Consider purchasing a duplex, triplex, or fourplex in San Diego.

This is assuming the way you notified the tenants of the new rent was considered legal notice in your market. 

Considering traveling nurses/workers, as well as seasonal rental for ND home games (also a huge Fighting Irish family).

Quote from @Gary Campanaro: I wouldn't consider it unless it were agreed to up front.Cancellations are part of her business, and she needs to accept that.

What I ultimately decided on after speaking with many people in the business and bank customer representatives was to make a savings account for each deposit.

I would say the same for employees who need say a second advance on their wages (we allow one).I am willing to make a personal loan if an employee really needs it and you could consider doing it that way with a tenant in need.

If not, in CA you'd still get great rent on the ADU so I'd absolutely consider it.

Hi Devin, Have you ever considered that instead of America needing smaller homes that are more affordable, that America needs more higher paying jobs so that people can live the actual American dream versus having to settle for less and less and less (Has George Carlin pointed out in his classic speech about this).