ADUs are really the best play for California right now because those particular laws are trending in favor of the homeowner with some limitations.

Is there any recommendations for lenders that would do a 90% LTV with favorable terms?

All factors seemed favorable.

Whereas now your amortization component is very high because of the favorable financing in place.So you have to consider all of those when looking what and where to invest next.Another thing to remember is that in order to completely defer tax in a 1031 exchange you must purchase at least as much as your net sale. 

@Austin StyerAustin's market conditions in 2025 are favorable for flipping due to modest interest rate cuts and robust job market.

The tax benefit however, will tip it favorable.

The judge may find in your favor, but give the tenant 10 days to resolve.You go back to court, and tenant says she is no longer there. 

The sophisticated money is not buying in stagnant markets with poor fundamentals because they can achieve the 1% rule, can complete a BRRRR or because of more favorable landlord tenant laws exist just to highlight what’s rarely part of their acquisition criteria which is a stark contrast to the mindset of most within the BiggerPockets community.Since your focus is specifically on landlord tenant law component I’ll add those who follow the law, properly maintain their property, respond timely to tenant requests, use well drafted and fair leases and don’t unreasonably withhold deposits  find themselves in far less tenant controversies. 

The rates and terms are usually more favorable than DSCR loans, so I’d lean toward conventional financing while you can still qualify.BRRRR Method: The BRRRR strategy can be powerful, but it might slow you down a bit due to the current cash-out refinance seasoning periods, which can be as long as 12 months.

Hopefully the market keeps creeping up in your favor which helps a future appraisal.