The sidewalks were destroyed and the walk way concrete was off set.

Some lenders may also want to see law and ordinance coverage in your insurance and perhaps a rebuild letter from the city stating that the property could be rebuilt as a residential 4plex if destroyed. 

I understand this is my responsibility and I filed an insurance claim and the garage is currently being rebuilt as the entire thing was destroyed.

After the fire in 2016 damaged or destroyed more than 2,000 buildings, 16,000 acres, with 16 lives lost, I think they are trying to be better about enforcement.

I think it is very unlikely if at any time soon that the state allows a jurisdiction to require the removal of safe unpermitted units (it likely would mean the end of the housing crisis).A legal ADU is worth more and will be easier to get rebuilt if destroyed.  

They destroyed the unit, trashed it and even put about 30 knife holes in the walls.

It will look good on paper but one tenant who destroys the place will wipe out a year of rent.

@Daniel AraqueI will not comment at all on tardus as I am not familiar with them- what I will note that people need to consider on a loan vs earning dividends is a loan the interest is ordinary income and you are receiving principal and interest back which if not immediately reinvested destroys your returnFor example a 10,000 loan receiving 8% interest over 4 years of course will have high cash on cash because it’s all principal.

Foundation issues are very very real there and can really destroy returns if not careful.  

And now pipes froze cause no heat, and now it's $14k more to fix pipes, I gotta walk away" and "seller" says "like hell you will, you destroyed my property, you messed up my credit, now I'm getting foreclosure warnings from bank, YOU CHEATED ME".