However, that may be because of the procedures they use in lock changes and rekeying.That said, I think this provider is giving good rates for this work and I'm actually surprised to see so detailed of a breakdown. 

If so, knowledge of procedures and the laws is crucial, lots of traps.

a few federal laws to research on Chat GPT: (there are also state and local)Truth in Lending Act (TILA):Fair Housing Act (FHA):Equal Credit Opportunity Act (ECOA):Fair Debt Collections Practices Act (FDCPA):Real Estate Settlement Procedures Act (RESPA):Homeowners Protection Act (HPA); Mortgage Assistance Relief Services (MARS) Rule; California Residential Mortgage Lending Act since you are in CA plus whatever state the property sits in; Ability-to-Repay/Qualified Mortgage (ATR/QM) Rule;TILA-RESPA Integrated Disclosure (TRID) RuleFed Flood Insurance RulesMortgage Servicing Rules there's about 300Home Ownership and Equity Protection Act (HOEPA) and all The HIGH COST loan rulesIRS and 1099's...Don't quote me.

For less than $500K I am getting the following 2 Houses--3/2 mobile home - my family home -- 4/2 Metal home - Airbnb 1: similar properties average $6K/month.            2 separate garages ( one is ready to convert to extra master - has windows, insulation, and ready for paint)1 Shop - 1,200 sq ft metal building with electric, plumbing, and water -1 Shed with toilet - wellness spa ( I am licensed esthetician/massage therapy)3 - 600 sq. ft. 

It's not that its harder to foreclose, you just need to make sure if/when you do foreclose that you follow the procedures for a primary.

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@David Zall yes, your city’s website so you can read everything about their regulations and policies for STRs, Airbnb so you can read their policies and procedures, listen to the STR success stories and VR machine podcasts.

I am looking for any recommendations or guidance on the procedure to go about building an ADU.

This information can be instrumental in making informed decisions about potential tenants and mitigating the risk of future rental issues.Setting Clear Rental Criteria:To streamline the screening process and ensure a smooth and efficient rental application procedure, I highly recommend that landlords take the proactive step of establishing clear and comprehensive rental criteria.

If it’s 5 units, you can’t get fha financing.....1-4 units, owner occupied only.I think the standard procedure in TX is to do a contract With 7-10 option period, with a couple hundred bucks option fee non refundable, and EM kicks in after that..