However, nothing prevents two parties from owning % of that lot and living in each building (one in main and other in ADU), creating tenants in common.We may soon see the first individually financed (30 yr mortgage) ADU in LA this year and it will be very interesting.

Furthermore, the individuals entering into these agreements believe the transaction to be a loan.

Individuals? 

Residences and cars are not purchased in individuals names.  

If they were separately metered, each tenant would pay the $116.50 base fees and their individual use, which would be 3x higher than what they pay when sharing a meter.There are many options, but don't make it more complicated than it needs to be.

MTR attracts a lot of traveling medical professionals and WFH individuals who need a quiet space during the day, which may not be compatible with families living in the attached LTR.

If you are not attached to the duplex, could be a good time to sell to developers who want to convert to individual condo units.

But if you can find an investment that pushes out beyond the next 2 or 3 years into a  “different” financial environment you might have a better risk reward return. 

My husband and I are looking to connect with like minded individuals.

I work out of my basement and have been trying to find a location near me that rents out individual offices.