What I find disconcerting is we're starting to discuss the possibility of a shutdown extending into an indefinite future.California had this problem a few years ago (its state constitution specifies a deadline the legislature must meet, but has no penalty for missing the deadline).

@James WilliamsIf you're serious about going full-time and replacing what is likely a decent salary as an engineer, I would definitely recommend raising some money.It can be tricky, but most people raise their first extended fund from friends and family.

Also the financing was from a bank and we've already got 18 months of interest only payments, so that option is kind of out, although I could see if they would extend my original line of credit.

Is there an appeal that may extend that restriction timeline?

If I'm not mistaken, CEMA is basically the concept of paying off the current mortgage and then pulling equity again for a second Mortgage which obviously is an extended period of time depending on merchant preference. 

They are looking for a 3-month lease with the option to extend and are "willing to pay a premium".

I do not have and Uncle Bob with the funds ready to go, but I am definitely going to have to find one amongst my friends and extended family, because that would be the best case scenario for sure!

Gas line extended to ADU is preferred for sure.PG&E doesn't allow people to install gas submeters on their own (you can install an electricity submeter yourself for a few hundred dollars after filling out an easy online application).

If he defaults in 12 months you have a strong negotiating position to extend. 4.1) Check out his credit and experience to judge whether he is likely to be able to pull this off. 4.2) You are protected because your loan should be in first place.

If not, you should have the option to extend or terminate the contract.