Like @Lauren Kormylo, we cater to families and I don't want to collect a bunch of email addresses.I have the primary guests email and I am happy with that.

JohnHello John,Can you respond to the comment about not lending to investors who do not own their primary residence?

Conventional, however, will allow the home to be classified as a primary residence, and for the veteran's income to be counted for DTI purposes, if only the spouse moves to the home for now. 

The primary purpose is to assist eligible veterans in purchasing, building, repairing, retaining, or adapting a home for personal occupancy.Asset Protection Strategies: If your goal is to protect your assets, there are other strategies you might consider:Insurance: Obtaining adequate insurance coverage, like homeowner's insurance and umbrella policies (as @Greg Scott mentioned), can provide a layer of protection against liabilities.Homestead Exemption: Some states offer a homestead exemption that can protect a portion of your home's value from creditors.Trusts: In some cases, placing the property in a trust can provide asset protection, although this can be complex and requires legal expertise.Legal and Financial Advice: It's crucial to seek advice from legal and financial experts.

In addition in many CA jurisdictions the ADU addition results in the primary being rent controlled.  

I also house hack my primary and the income is more than the PITI!

I would say the three biggest reasons why people don't achieve financial freedom are: 1 fear of investing/losing money and will put it in something like a CD and be happy with 2-3%2 spending too much money on non-essentials like eating out, nice cars and primary housing.

Who will manage the property would be a primary question for me. 

Having a second home less than 75 miles from your primary residence and using it as a STR can cause issues.

Your primary insurance policy with $300,000 in liability coverage should be sufficient in 99.999% of all lawsuits.5.