However, HOAs can also be a double edged sword with fees, restrictions on rentals, or even special assessments.For flips, condos might have less upside since you can’t control the overall property value like you can with a single family home.

Legal and ethical implications: Agents engaging in such practices may face:Legal consequencesLicensing penaltiesEthical violationsThese actions ultimately harm consumers by restricting options and potentially inflating costs.The new system, allowing buyers and their agents to negotiate commissions directly, promotes transparency and fair competition.

If the covenant specifically prohibits renting out rooms or STRs, you may be restricted from doing so.You should carefully review the covenants tied to your property to understand the specific restrictions.

@Arif GungorurMake sure you check any HOA or development restrictions.

The restrictions, requirements and timelines on these are very specific and one mistake can be very costly. 

Strong jobs reports had a larger effect on the 10 year treasury, followed by strong retail sales numbers, followed by EU inflation numbers, then followed by election results but honestly election results only affected rates for a couple of days.Lots of pressure on treasuries from the level of debt the US is carrying, but remember the Fed is also still doing quantitative tightening (while cutting rates) which is additional upward pressure on rates.

And there're restrictions on how you can use these accounts.

If it was me...I'd check with zoning to find out how many dwelling units I could build, and I'd find what the requirements are for those units (type of house, height and setback restrictions, etc.).Then I'd find out what local builders think the cost to construct would be - just get a cost estimate per square foot for 2 or 3 different levels of finish.

., I looked up the San Diego ADU bonus program. 15 years is not a long time to be deed restricted!

This sounds like it might be a pipe dream based on everything I'm reading about restrictions directly in St.