After weighing the pros and cons of CC and personal loans, I think I am going to go with the personal loan as you suggest to play it safe.

Just like a defaulted car loan seizure (eviction) is the remedy, unlike for real property which would require foreclosure.I don't think equitable interest plays a role, both books made it sound like the beneficial interest was the sole focus.

You seem to be fishing for other people to let you play with their money. 

This home is in a desirable area and i purchased this as an appreciation play.

The buyer and seller would prepare the purchase agreement, and sometime be able to convince the title company to play along, in a.

The one tenant left, is able to play the full rent but split.

If you are not representing the property as having an ADU and you really do have the property configured as a single family home then the second meter should not be a determining factor regarding classification.Do not keep it as a duplex and then when it is appraised try to play make believe with the appraiser that it is a single family home.

STR in Cali is a safer play if it’s allowed in those areas.

If you put your money in property, it is all about playing the long game because real estate investment is a smart way to balance your financial portfolio.

Lets play this out logically.lets say they have a $700k all cash no contingencies offer, and you are only escalating $3k over that...so your offer is $703k.Escalate in $20 or $25k increments over 2nd best and waive your inspection contingency.