Our end goal is to be in a position where we can be very selective and choose the clients and properties we work with so that doesn't happen.

We've all been there.Even if it changes 15 minutes after you say it, when asked, choose a reason you're there.

IF the lender does find out the lender can choose what course of action to take.  

Rent control in the bay area can be extreme as many areas have rent control in excess of the state mandated rent controlIn general experience RE investors are not choosing to add a single ADU in single family zoned areas.  

If you choose to purchase from a turnkey provider or build your own team, don't be swayed into cheaper areas.  

 @Raif Jochim without knowing details of each loan, I would almost always choose the primary home.

If you decide to exit real estate entirely, just make sure whatever investment path you choose aligns with your goals and risk tolerance.

When choosing a location for your first rental, it’s great that you’re considering factors like crime rate, population growth, employment rate, and price-to-rent ratio—those are all key metrics.

A HELOC is probably going to be at least 8% right now, so would you be making more than that on your money if you choose to take out a HELOC to fund the work?

Also, even if it's true that is has been working to avoid the DOSC so far, my understanding is that any "outright sale, deed, installment sale contract, land contract, contract for deed, leasehold interest with a term greater than three years, lease-option contract or any other method of conveyance of real property interests" can trigger the DOSC (quoting the bank definition of transfer or sale), meaning that banks could still call these loans due despite the executory contract/land contract if they so choose.