If a city or county has a law allowing for non-owner occupied short-term rentals, and then revokes that and doesn't grandfather in existing listings, they're going to have a lawsuit on their hands.

I am reading everything I can get my hands on that you have posted.

Quote from @Kevin Ansari: This is hands down one of the WORST insurance company broker whatever they call themselves you can ever use.

I’ve househacked a handful of properties and am currently doing so now.

Also, my brokerage has a handful of investor clients that actively run MTRs and STRs in the area. 

I don’t want to just cut cost though I want to understand what I’m doing and be super hands on.

In my market the valuation with f/f non commercial financing is typically lower than the hands off cost of adding the ADU.  

What many investors do is that they will purchase a handful of REI props in one market and then move on to their next/different market to diversify their portfolio and for added asset protection. 

He is correct that a single ADU in a single family zoned area is unlikely to return as much as the hands off cost and is one of many reasons that adding a single ADU in most single family areas is not a good re investment.  

This is much lower than the costs associated with refinancing.Benefits of Mortgage RecastingLower Monthly Payments: The most immediate benefit is a reduced monthly payment, which can free up cash for other financial goals.Save on Interest: By reducing your principal balance, you’ll pay less interest over the life of the loan, potentially saving thousands of dollars.No Credit Check or Appraisal: Unlike refinancing, recasting doesn’t require a credit check, income verification, or home appraisal, making it a quicker and simpler process.Keep Your Current Interest Rate: If you have a favorable interest rate on your current loan, recasting allows you to maintain it while still lowering your payments.Drawbacks of Mortgage RecastingRequires a Lump Sum: Not everyone has the cash on hand to make a significant lump sum payment, which can make recasting inaccessible for some homeowners.Doesn’t Shorten Loan Term: While your monthly payments are lower, recasting doesn’t reduce the length of your loan.