Can someone refer a good lawyer in California to write/review a Tenancy-in Common Agreement?  

There is no way I can install skylight  Some sun tubes can be routed, look em up  https://www.homedepot.com/p/VELUX-14-in-Acrylic-Dome-Sun-Tun...This is 1 of the more common ones, there may be others IDK.

Locals were saying this is becoming a more common occurrence, and not good if the tourists can't go in the water.

If the property appraises for $100k, you can refinance $75k (75% LTV is common for a refi) and get all the money back to start over. 2.

We have been buying as tenants in common. 

I do agree that the rates you are seeing are not common at all.

Suspended passive losses won't be realized till all properties sold. that's not a concern for lots of buy and hold landlords, I guess. paper loss year after year is common. 

Maybe its this is common with off-market listings?

https://www.biggerpockets.com/...12 Frequently Asked Questions (And Answers) About DSCR Loanshttps://www.biggerpockets.com/...8 More Commonly Asked Questions and Answers to DSCR Loanshttps://www.biggerpockets.com/blog/eight-questions-and-answe...What Documents Do You Need for a DSCR Loan?

Any advice on topics to touch on in a contract that is commonly forgotten?