Liability & Headache: When you squeeze more individuals into one space, you're likely to encounter a range of issues.

those courts are going up everywhere and cities are having issues with the noise they make. 

We paid cash so no loan or refi issues.

Is (Subject To) real estate sale legal in California?

How can I introduce them to the proper documentation to and legal process for this?

NY is working towards capping permit fees at $1,000 to relieve the financial burden and encourage property owners to convert basement apartments legally.Two years ago, the city launched a pilot program to award 15 winners grant funding to support legal ADU conversions.

My issue is, I have very low interest rates and do not want to refinance and lost those rates.

Affordability is an issue right now, but if/when rates go down later this year, that'll put upward pressure on prices.

The extensive root systems will start caving once removed, which will cause issues for a while -- we had one down in a storm and we're still filling in where roots all over the yard continue decomposing, causing depressions in the yard even 5 years later. 

At least people have ratings on the OTA and I can see if other hosts have had issues.