- How would one run the numbers on a mid term rental when it comes to startup costs, rental rates, and operating costs?

State/local are determined by your state of residence, not the state the property securing a loan you hold, or property you own is located in.  

Matt So you are the borrower and they are asking if you can pay the loan off faster?

Without responding with respect to your zoning and what is allowed locally, I will discuss what is allowed on state level because i believe it will allow what you seek.In 2025 SB 1211 (Skinner) – Multi-Family goes into effect allows an ADU (I think it specifies detached but question if that is a requirement) for each legal non ADU unit up to 8 units.  

In the end it will be up to you and what opportunities become available and when, but this is my recommendation.

- Could the seller be trying to hide potential major issues in the house by leaving no room for inspection results or could it be just ensuring not to disturb the tenant?

I have a own a successful property management in the Bay Area focusing on multi-family buildings and HOAs.

You are putting the cart before the horse.

If PM me your name and number, I can introduce the two of you - he's asweome.If tiny houses are on your radar, you might find the neighborhoods around South Congress or even up in Pflugerville more accommodating.

So, the day has come to finally figure out how much your rental property income will affect your child support payment.