If you stick with conservative loan to values then chances of a loss are slim, there could be delays in getting paid but you should be able to preserve capital with the lower loan to values.

He had put pictures on the walls with nails and put a shelf/rack in the master bathroom which put holes in our walls.

And I use my notebook for lots of real estate stuff and it’s fun to go back and look at the goals from a couple of years ago and say oh I nailed that or still need to work on that one.

@Wale Lawal hit the nail on the head. 

@Marcos Cardenas I think a few other people nailed it already and as mentioned it depends on if you want to work in real estate or be an investor.

The new ADU laws were created to try and get SOME housing built in a state that has fought against new homes tooth and nail for 40 years.As a result, 20% of all new homes in Los Angeles last year were ADUs.If that isn't optimal... call up your electeds and tell them you want to see more apartments with less parking in urban neighborhoods.

@Michael Smythe - you nailed everything.

Reach out if you need anything.Daniel -  @Mitch Miller Hit the nail on the head ... and Mitch runs a great meet up.

There are plenty of options to think through, but I would recommend really nailing down what you want the most and then working backwards from there. 

@Petr Anisimov @Donnie N.Petr, you nailed it with your explanation.