.- Converted to a rental in 2024; initially rented for $4,750/month, but tenants moved out, and the soft Bay Area rental market has made filling it challenging.

Quote from @Taylor Davila: What is the average cost of converting a single family home into a duplex? 

Due to the nature of the STR property criteria in Cape Coral, it's very rare that a STR could be converted to a successful LTR.

I have one in Brownsburg that is similar, but there is a house and a converted garage on the same property. 

But, VA is the only "owner occupied" loan type that you can actually refinance after you have converted this to an investment property! 

Over the recent years I converted it into a single-family home.

Brick v.s siding and covered v.s no converted parking also make a large difference and are items that have to be adjusted for. 

When converted to US dollars,  it is deposited into your bank account.

If anyone is concerned about the Due on Sale because of interest rates being higher, look who owns the loan and who the servicer is, I hear often people saying that the Bank will call low interest loans just to get a higher interest, the money from the mortgage is from a hedge fund or a Government back mortgage (gets deeper but just as an example), I would never see any other money provider just targeting Subject to's for the sake of the deed changing names.If someone is concerned about the DOS Clause then they need to convert that energy into education.

Condo convert this so you will separate the property into 2 APN's thereby, somewhat, making it exempt from rent control  if done strategically.