Unless new companies create replacement jobs, the only remaining positions will be lower-paying service sector jobs.

If your willing to do so, you can live in the casita and then rent out the main home and have your tenant pay the majority/all of the mortgage (depending on what type of deal you find obviously). 

See if you will have to pay for recapture.  

If I can pay it off in a 7 years I’m fine.

I know they say you get what you pay for but I am impressed with this STR PM, and I use Steesa and Innago. 

It even gave suggestions on what I could improve based on what my competition is offering.Link to the operator in action is here https://drive.google.com/file/d/1C1uTqgWGfs3AMsUdDWd0FOTbVFM...Quick tip: don’t pay the $200 for this just yet.

- If i Sell , as this was my 1st house and lived in 4 years, do i need to pay capital gain tax ?             

Long Term non-paying Tenants.

It is always better to have the tenant paying for the utilities as they are the ones using them. 

But I need a portal where I can do the following -Customize the tenant application  ( Cozy does not  allow me to customize)- Have tenant Upload Pay stubs, DL, etc.