Comparatively a conventional mortgage of $300k @ 6.75% P&I would equal a monthly payment of $1945 with approximately $10,275 TOTAL paid towards principal during the first three years. - Close Cash & Refinance.

remember: if the net amount that goes to your mortgage after you collect rent is equal to or less than what you'd pay renting - you're ahead. 

Paying off your mortgage gives you a "return" on your cash equal to your mortgage's interest rate.

It looks like we are trending towards a more equal seller/buyer market place.

Many applicants just want to tell us their excuses over the phone, but if they won’t take thetime to put it in writing, we find they rarely end up being good tenants.UnderwritingTraditionally, landlords have only looked at the income of applicants and approved those having income equal tothree times the property rent.

Tenants in CA think they have all of the power but they don't, we as the landlord need to understand the lease in place and can then take back an equal position to them. 

I do not think if you look at rental comps of duplexes with patios and without that you will see much difference in rent, all other things being equal. 

If you set your deposit equal to the monthly rent, you're good. 

But realize that if you live somewhere seasonal, occupancy can vary... like cold winters in Texas probably equal lower occupancy.   

You should check out the 2020 state ADU legislation, but off the top of my head I recall two ADUs for 2-4 unit properties and a max quantity of attached ADUs equal to 25% of existing units for 5+ units.