There are entry-level positions, and a competent person can work up quickly.

The wisest thing to do is to call the Division of real estate at your State level and/or the Division of Mortgage lending.

They are saying it'll report "crimes at a national level like national sex offender list" but that they can't access county or state level offenses.

Tenant in lower level unit #A will be billed based off of 900 total square footage, of each bill.

If it tends to be for a pretty set time frame it may be more of a tutoring/teaching type of situation.I tend to stay out of my tenants' business unless it involves safety of the neighbors or some kind of major crime, so yes, drug dealing would fall into that but most lower level dealers will have more than 1 customer and many high level ones who might only have one visitor are not as likely to have them daily.

I think people are getting more creative thinking about separate living quarters (basements, split levels, etc.). 

Both of these options "should" drive your premiums down a good amount, and hopefully to a more acceptable level. 

Both adding an ADU and a brrrr are work, but the level of return of an ideal BRRRR is infinite versus a typical single ADU addition in SF zoned area has zero return until it recovers the initial negative position.  

If you underwrote the deal according to your methodology and it netted 5-10%, you'd pull the trigger if the level of risk you're taking to achieve that result is within what you're comfortable with.

New home starts fell 7% month-over-month to 1.24 million units (annualized) — their lowest level since July 2019 (excluding the onset of COVID).