I interpretttev @Alan Asriants statement different than you but agree it is not clear   He could be indicating pools, basements, sunrooms do not provide a means for an extra tenant.  

A refinance is a different story.

Why ask: Access to consistent support after meetings can make a huge difference in your progress.

There’s a lot different tenant types and I’ve spent a lot of time figuring things out.

We've always hired a tax protest company and have done so in three different states.

We're looking at a rather large loan and I feel like we could go down a different road if this place is not legit.Thanks. 

.✅ Allows Specialists to Do Their Jobs – A leasing agent will lease faster than an investor juggling 10 different tasks.

I come from Europe too, and I know it can be overwhelming when you look at the real estate market in a new country and with completely different building technics ( sticks instead of bricks), but is not as bad when you have the right team in place. 

While you don’t have to decide this instant (you could always convert later) it’s good to have an idea of the market differences between mf and condos. 

I recently completed one on a multifamily property and found it to be a cost-effective approach.That said, there are a couple of additional factors to consider beyond the code differences between a garage conversion and new construction:Coastal Overlay Zones – If your property is in a coastal overlay, building a ground-up ADU may require Coastal Commission review, which can add time and complexity to the process.