The laws for ADUs in CA relaxed this year because of the housing shortage.

I'd suggest you take a step back, take a deep breath, and try to relax. 

@Connor Kelly Other options :Use first rental property to take a HELOC upon for down payment on next rental property.Use a Hard Money Lender / Different Bank on the right deal to buy all cash loan to cost or with less money down.Partner with another private lender or investor to acquire either all cash, you bring the hustle/muscle and they bring the loan/down.Any other way to get it done that makes sense.

Let’s all relax.  

As mentioned, while the Corona Virus is the primary news with a lot of unknowns around it, service sector workers will be effected, but I think it will bounce back once people are free to leave their houses, and actually booming for a few weeks after lockdowns are relaxed.  

Very relaxed.

I also saw a report that FNMA is going to relax appraisal guidelines to ease pressure and keep mortgage applications flowing. 

Although, we’ve had great experience with the relaxed booking requirements, we’ll likely add the government ID and previous positive host review in order to instant book.For us, AirBnB seems to be where most of the reservations come in here at Branson.

Relax on the deck & enjoy the amazing views of the horizon.

I would really just relax until the markets open up again.