Instead of debates and personal opinion, look for proof https://www.ladbs.org/docs/default-source/forms/plan-check-2017/single-family-dwelling-duplex-plan-review-list.pdf under G (Interior Env) which defines the minimum requirement of a habitable room (aka bedroom or bathroom).

Scammers do exist, and it’s smart to verify a lender’s legitimacy before moving forward.Check Reviews and References: Look for reviews on trusted platforms like BiggerPockets or Google.

It would be good to talk to a lender to make a game plan and review your financials. 

There is some info here: https://yieldtalk.com/iintoo-review/.

Review your management agreement—it will outline all fees and responsibilities.

Guests seemed fine with this (or would say something privately, thank goodness- not in reviews).

As everybody else stated review your basic protection with P&C and umbrella coverage and run your rentals like a business, easier said than done.   

Here’s how to find a broker you can trust:Ask for Referrals: Reach out to fellow investors or real estate agents for recommendations.Check Credentials: Look for brokers who are licensed and members of professional organizations, such as the National Association of Mortgage Brokers (NAMB).Review Their Track Record: Ask about their experience with real estate investment loans and request client testimonials.Interview Multiple Brokers: Prepare questions about their lender network, fees, and typical loan turnaround times.Evaluate Their Communication: Choose someone who listens to your needs and provides clear, honest advice.4.

Check fees are $10**** When buying physical real estate, you must have a 10% cushion of the purchase price**We waive the first 6 transaction review fees for the life of the account.*** The first 12 incoming checks are free each year.

Don't be so quick to indebt your paid off townhome until your learn creative financing and review all your options.