I would either be putting this all on credit or eating into my 6month emergency fund reserve.My biggest question is, from a strictly ROI standpoint would you add the half baths to each unit for $7-8.5k for an extra $100-200/month.

I have a strict cancellation policy that would of protected me, but their new policy overrides that.

BUT if it ever needs to be replaced the code is stringent & the upgrade is very expensive.

Why are you picking those zip codes? 

Per my city, I put into the lease that there is no living space in the basement (beds) and no subleasing the basement (I'm strict on no subleasing).

Code) forbids the unauthorized distribution, display and reproduction ofthis form, or any portion thereof, by photocopy machine or any other means, including facsimile or computerized formats.

The SBA is notoriously strict on "affiliation", which to the SBA is broad and roomy.

These are professionals with additional training and a stricter code of ethics.

Zoning codes use different nomenclature and descriptions everywhere, but they all say the same basic things.

Actually Paul the state is the one with the energy building codes, in particular CA Title 24 2019 standards that just went into effect January 1.