It will either suck all the moisture out from the soil underneath the foundation or damage the foundation by growing roots under it. 

If water or moisture begins to leak in through the roof it can reek havoc on the plaster inside.Lesson 2: If there are no cellar doors on the entryway into the basement or some other form of a barrier to prevent rainwater from coming in through the entryway then get new doors or at least a slab of plywood over the entryway to prevent water and mud from entering your basement.Lesson 3: Call at least 1 week ahead of time for ordering materials.

We do not charge per occupancy level but prohibit occupancy in excess of what CA law mandates. 

We have done this from the borrower side of things, perhaps smaller amounts dealing with, but the path we used in PA was lender deposits funds to our bank account in advance to ensure funds cleared on the account, typically 7-10 business days on the bank side for deposit to clear in excess of 5k.

As you increase in property size, down payments required can be in excess of 25% (four-plex properties and bigger typically require 25% down).This doesn't mean that you need to have the full amount for a down payment, you can get creative in how you come up with the down payment. 

One method: learn how to be a real estate operator full time (which is what I did) or find other sources of income (job, business, etc which is also what I did with my property management company) that you can funnel excess cash into real estate.Good luck and never give up!

Long term, I would expect the San Diego RE to have property and rent appreciation far in excess of appreciation and close to the top in the US. 

The times this has occurred on me the amount of damage that occurred at the property due to excess wear was just eating away at my cash flow.

The insulation gas will all be gone, but if done and sealed well you won't get any moisture inside that fogs up the glass.

However $100k + to convert a 400 sqft garage seems very excessive.