However, repairs or improvements must be permanently affixed and add value to the real property.Costs and Escrow AccountsThe costs of the renovations will be based on the plans and specifications for the work and on the Construction contract for all of the work requested by the borrower.

For almost any kind of permanent rental/investment property financing (whether Conventional, DSCR, or local bank), you are going to need a decent credit score to qualify.

Be prepared to start a lawsuit.2) File a complaint with state's Board of Realtors3) File a complaint with state's Attorney General's officeSince these are unlikely to be permanent solutions, you'll also want to start searching for another PMC.Recommend you speak with @Russell Brazil

I feel like social media will be more permanent..  

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?

These are permanent residents.

It’s a solid option if you’re confident about refinancing before the higher rate kicks in or if you want to save more month-to-month early on.Option 2 (3.5% DP, Permanent Buydown): Lower upfront costs free up cash to invest elsewhere, and the 5.4% permanent rate adds predictability.

I do wonder just how many people are going to leave California permanently from all this.

In the process of refinancing to a permanent loan.

The last you want to do is make an enemy of the firemarshall as they could permanently pull your permit to be able to rent at all.