Some investors opt for larger homes with more bedrooms, while others convert existing residential properties to fit more people comfortably, ensuring they meet safety and accessibility standards.One thing to consider—smaller operations like RAL often rely on word of mouth and local reputation to fill rooms, so community engagement and relationships with local health care providers are key to success.PS: Fun fact—by 2030, it’s projected that more than 20% of the U.S. population will be over the age of 65, which makes senior housing a high-demand sector for decades to come. 

She's willing to pay the rent for the next two months to be a PITA, that is her choice.Inform her in writing the need to keep the AC set to a minimum level to protect the health and safety of the property even if she is not living there.

I would say prioritize your life.

For me, investing-create a safety cushion, and I see nothing wrong with investing in different options (especially since I always have my primary income).

When choosing a hard money lender, investors typically prioritize a few key factors.

Because I'm prioritizing properties that will be rentable without much fixup, I would like to network with flippers too, and I would like to find off-market deals. 

The issue that I'm facing now is whether I want to pull it out against one of my rentals or on my primary.I have found a bank that will allow me to borrow as a second lien on rentals but their rates are higher than what I could get when just doing it against my primary.What I'm most worried about is what happens in a worst case scenario, should something drastic happen in the market.From what I understand, using the money against a rental doesn't necessarily provide much more of a safety blanket in case things hit the fan because if, somehow, the HELOC lender can't recover their money, you'll get sued anyways.

My goals are to provide financial freedom for my future family and establish a sustainable safety net if physical limitations prevent me from retiring from my current W-2s.

Unrelated to HOA but if homes won't pass the safety engineered designation, who demo's house and haul off and when does HOA or city make owner to remove?

Maybe as an additional safety net set your DSCR% or cash on cash return a little higher than other areas you own.