It was intended as a second income stream as i had a brick and mortar shop downtown where i was full time for 13 years.

The reason being is that building ADUs can effectively turn your unit into a duplex and add more streams of income.

What's wrong with an additional stream of income?

The point is, you need to have a steady income stream, and relatively high (being a cashier at a supermarket isn't going to cut it), to qualify for a loan. 

As the years go down on STNL the cap rate tends to rise as the security of the cash flow stream goes down.

City, well, stream, spring, truck etc...

They will find out sooner and smell blood.

This should provide a stream of motivated sellers in a couple years. 

As the saying goes, the time to buy is when there is blood in the streets.The 15yr mortgage is incredibly safe after the 15yrs have passed, but also very dangerous during those 15 years. 

Second what about installing a security camera, one that streams to your phone in real time.This way you'd have documentation of what was happening at least outside of the rental.