We've encountered heavy traffic going north from Mission Viejo to that location, so now know to use 241 and then surface streets, not I-5.

What were some of the unexpected expenses that you encountered linked to the fire damage, if there were any?  

People will continue to want to age in place and accessibility is key. 2. childrens needs - i encounter people on a fairly regular basis who have children with mobility issues or other disabilities.

I understand up front that regardless every few years I will have to move so I wil encounter distance issues but I don't want to wait until my retirement out of the military to begin putting in the work. 

@Kurt Milliron perhaps you could try a credit union if you haven't already, they seem much more willing to do business and build relationships than other banks that I've encountered, though I know everyone's experience my be different.

Great question, a lot of people can choose to not permit it and rent it out of use it as a granny quarter, getting it permit altho doesn’t add any sq ft in assessor data, but it will bring value as the unit will not encounter problems like demolish from the city, many will refuse to pay any value for non permitted add.

I've yet to encounter one where that is "official" mandated, even if attempted in practise.   

., if you can call it that, you'll ever encounter.

If you are encountering people who act as if you are crazy for considering participating why don't you ask them to expand on their experiences?

@Vincent Crane I've encountered these situations and work very closely with my closing attorney to receive compensation from agents.