Most meetings are filled with people who don't exactly reach out to meet new people so if you go be prepared to be outgoing and honest and FOLLOW UP with people you met but don't be demanding.

they usually say stick it in the bank.. so you can offer them a nice return above bank CDs and on an asset they already know and like etc..

The property listed for 200k, so we talked them down to 190k and they are covering 2k of down payment.

So the total estimated profit is $210,000 in 3 years.

It is what was called the "swap and drop". 

Is there a demand clause where they can call the loans for no reason?

If your willing to do so, you can live in the casita and then rent out the main home and have your tenant pay the majority/all of the mortgage (depending on what type of deal you find obviously). 

Is there anybody doing PadSplits there who's willing to get on the phone or a zoom call with me?

Use the top three or four discriminators so applicants can screen themselves.Then you need to have clear screening criteria yourself.

I am now calling different counties to identify cities that do not have such restrictions in order to do AIRBNB.