@Lisa T.

It's simply factual:  you violated the lease by smoking, stop it, remove the resulting odor and that a repeat action could result in eviction and loss of security deposit.  

If you really like the place but you feel that it is priced too high for your budget, instead of saying “it’s priced too high” and insulting the seller, simply say “I absolutely love your place; it is exactly what I want, and I’d really like to buy it.

They simply skip over/ignore concepts like vulnerable persons, equity skimming, equity stripping, bank fraud, wire fraud, mortgage fraud, escrow and closing, etc  It's now the "thing" to do.What could go wrong?

Especially now, I am seeing a lot of people who bought during or right after the COVID pandemic and are in situations where they simply cannot sell their homes for any profit (many of them bought as new construction).

So I never turned people away simply because they don't meet one or two criteria.

Great idea from @Henry T. to live in the ADU if you can and rent the house.

EDIT: Can't delete this post, so simply editing it.

It's simply overwhelmingly nuts. 

In my mind if you need to borrow money for these kinds of services your simply under capitalized and taking on long term financial risk.