[1] How are retirees living on rental income supposed to pay their mortgages?

When my contractor went without me they kept him waiting over 2 hours then told him something completely inaccurate and they take no accountability for how they can literally destroy peoples lives and finances.

I live in North Glendale.

You could either de-convert the basement before purchase, buy with plans for de-conversion, or leave it as non-living space.

There are always people entering the market and leaving the market all the while the many investors that do this for a living will stay and grab deals.

I moved from the SF Bay Area to live and invest in Reno, NV because of it being much more landlord friendly, low property taxes, close to Northern CA and Lake Tahoe, strong appreciation, and I understood the market after speaking to a bunch of people and feeling confident about the future here.  

I also live in California.

Most Temple residents live and work in Bell County.

I live in LA. 

You'll probably want to look into having your assets held in a living trust or some other kind of trust if wishing to avoid probate in California.As to your question about the mortgage, there's a federal law that the attorney might be referencing that generally protects transfers into a living trust from causing the need to refinance, but would need more details to discern.