Maybe it might be different in your market, but at least here in CA, no real estate agent is going to refer  a client slow poke big bank unless it’s specialized bank offering a specific program that caters to the needs to the borrower.  

You have a property in CA without insurance.  

CA OR WA have all passed new legilation to allow much smaller lots and developments .

Just hoping to get some opinions real quick......I live in a gated Lake community in California... 

With the high State tax rate in CA this will be helpful. 

I've always had an assumption that OH is a Ca$h Flow market and not an Appreciation market.

And I think I've ruled out my original option #1, which was to sink all the proceeds from sale of my current house into next primary residence in Southern California. 

I'm based in California and hoping to make my first investment within the next 2-3  months.

I'm Christian Campos, a private money lender and real estate investor from Los Angeles, CA.Where are you located in California? 

Here is a list of what adding ADUs in my CA market is typically a poor RE investment:1) The value added by the ADU addition is often significantly less than the cost of adding the ADU.