This will not fully answer your question but could supplement...

Allowing people to add adu’s though probably won’t do too much except for investors as most people don’t want renters on their propertyWhat should be done is more master planning around metro areas to incorporate more mixed use properties and review building heightsI was in Santa Barbara a few weeks ago which is beautiful but super expensive because of lack of housing - some very simple fixes but why would people want to fix it because it could impact there life’s and property values (the old NIMBY syndrome) chris actually in Portland its quite popular as ADUs and extreme high density is the law not exception and many put them in to supplement their incomes to encourarge ADUS in my city lake Oswego you can build an adu and not be charge permit fee's if the occupant is a direct family member.. if its a rental you pay all the fees  50k plus.

Have you been able to cover your entire mortgage with the rental income, or have you usually needed to supplement with your own money?

If your state has addendum or supplemental forms, you could possibly get tenants to come to terms with whatever you add / supplement to the original lease. 

Just realize you will probably need to supplement negative cash flow for a while. 

Everything was working well until my loan officer said that I would now need a co-signer to supplement for my income because my income we were using before was projected income that won’t start until May.

Lived there for two years and then moved into another home, while keeping the townhome as a rental because I figured I could pay it off quickly and just use the rent to supplement my income.

I'm looking at real estate as a means of supplementing income after retirement.

Hey so I am going to switch some tenants to month to month and I think all I need to do is use our states Lease supplement form and say something like this:The lease of the property on XXXXXX St.

@James Loffredo you could do the bulk with IKEA furniture but supplement strategically, whether with furniture or accessories/decorative items that you pick up from vintage stores or at garage sales.