If I added a 3rd bathroom no one would ever know any better because my house had a CO in 1967 , it doesnt ever need another .Sounds like your towns are police states , why would you let someone in to search your house for extra bathrooms or bedrooms . 

But on the other side of this coin I have no sympathy for people who move in to units that aren't glowing in radiant splendor perfect, and complain about it.

I am currently working with Rent-to-Retirement to pick-up 2-4 properties this year and grow from there with RTR and other opportunities.My only other investment income comes from my crypto mining business.

Two sides to that coin.

This may be one reason folks are willing to get back into crypto in a major way.

Regardless the tax and CPA professionals coined the term, so maybe we can give posters a break.

I was one of these agents 13 years ago and have since educated myself on both sides of the coin.

See if you can find a duplex where you can rent half and live in the other half or look out of state.You mentioned HYSA, yes as interest rates go down, you will make less on that money; but the other side of the coin is as interest rates go down your mortgage payments would go down and your money would go further. 

Flip a coin. :)

It really depends on what you prefer, some prefer crypto currency (not me), I prefer private lending / mortgage notes and structured it in a way where there is no ordinary income taxation on it, so it is treated as a qualified dividends.You can invest in anything / any type of business, it really is based on what YOU want to invest in.