This gives you one single place to easily monitor where rates are going rather than contacting lenders and shopping around.

*grinsI would think the amount of time necessary to become an expert in any given large market like the one's you've listed, to maintain ongoing business relationships, and monitor the progress of a significant project would be more than my wife would tolerate. 

Monitor and correct anything questionable on your credit.Work on lowering your expenses so you can save quicker. 

There are identity theft services out there that they can subscribe to that will monitor use of their SS/credit, and if they are that nervous about it they should take advantage of such services.

That is, constant monitoring, maintenance and marketing.

Monitor Red Flags and Gut Instincts: Pay attention to warning signs such as unusually low bids, lack of transparency, or poor communication.

But if you buy and add ADU and rent out other unit then move out guess that would be in the grey area.I am not sure how they monitor it, its with the initial permit application and you have to show chain of title and that the same owner on title is on the application.

@Emma Fitzgibbon Thanks for your input, I've read that about South bethlehem but from monitoring Zillow/Realtor etc that seems to be where inventory pops up.

Bigger Pockets has some great state forums and usually there are good locals that monitor those.

We have transitioned our STR's to MT rentals recently as the market for STR's is oversaturated in most markets, but will monitor and may jump back in at a later date, if things even back out.