There are a lot of people in this note investing business who pretend to be experts. 

The goal in the future is to get the permit and add the value for a future refinance.I have called the county and building department and they said that I will need blueprints of the alterations and submit them for approval and get all the inspections in place (I know this will be a headache and can be very costly).

So I strongly recommend people know who and what they are dealing with - saving $5-$10 a month can cost you a lot more in the long run

Alternatively there are also asset based lenders that do not require DSCR calculation or income verification, that can be less costly than hard money, and fully amortizing.

Given that property costs are high in San Diego.

It cost significantly more to add than the value added.  

Any business experience, contractor skills, etc.

Be aware of additional costs such as service charges, registration fees, and maintenance fees.- Property Specifications and Quality: Detailed Specifications: Get a detailed specification of the property, including materials, finishes, and fittings.

In terms of maintenance cost and liability the PB Court is a no brainer.

This is because, as adults, we ALL have *some* familiarity with cars and money and we know how the business world works!