Maybe an occasional HVAC.

Judges have been mostly supporting the "lenders" side in court actions, but, occasionally, one will find in favor of the borrower. 

Most BP members in our region are familiar with the West Sacramento meetup, and there was one in Folsom meeting at Out of Bounds occasionally, but I haven't seen posts for that one lately.

In Boston, where I also occasionally sell and have properties, Id be looking at even a later date than that due to weather.

I have read the city’s guide https://www.slcdocs.com/Planning/Guides/ADU_handbook.pdf but I still have questions.1. can tell that till require the owner to live there for the ADU. 1a is it for permanent residency or is it justified if it is a second home that I would use occasionally?

I've been incredibly lucky with tenants, turnover, properties, appreciation, connections etc.That said I do occasionally find myself wondering, what if....If I had bought in Florida or Texas or a booming college town. 

While it won't get all the way to 5.5%, it will creep towards 5%, and occasionally tick past it, with high volatility.

Although, with all of the trips going down to Texas, having been burglarized, and in an area next to an active trap house that was selling drugs on the corner... occasional gunshots in the distance..

When you mentioned you did your homework on the turnkey property, if that were the case you would have had a really good idea what the property was worth before you offered on it (of course sparing the occasional rogue appraiser, which may be what happened to you... idk) and certainly before the appraisal.

Most of the time is spent answering guest inquiries, scheduling cleanings, and handling the occasional issue that pops up.