I know that the adjacent wall is a plywood shear wall, so I suspect the wall that I'm working on is the same.Anybody have good advice on precisely locating the studs on a shear wall?

That's precisely why it works so well as money, and why it is inevitably selected as the base money again and again throughout history, every time it becomes obvious that all the alternatives just don't work as well.

Thanks for being more precise than me.

@Jon Holdman  @James Syed   Precisely the answer on that I was looking for, thank you gentlemen! 

But, I am ready to give myself permission to think & work outside the box (outside of what educational pedigree says I should be doing),  which is precisely why I am here.  

One of the reasons we focus only on B/B+ properties is precisely because it's the best of both worlds in terms of cash flow and potential exit.

Precisely right, @Caleb Heimsoth.

Way too vague to fully understand the scenario and your precise income tax filing requirement. 

That's precisely what I would like, for the tenants pay the mortgage and create a stream of income for retirement.

Which was precisely the point I made in my 3rd paragraph: "However, it is possible that someone has access to your email and intercepts and signs."