Her intention was to refinance into a conventional loan by the end of the 3 years; however, due to lack of planning and her self-employed status, she has been unable to qualify for a loan.

*always make sure that its in writing that ALL change orders or additional work will be in writing before its started.

Additionally we have cleaned the property and documented all.

@Mark H.A 401(k) is an employer sponsored plan. 

We have clients using private banking systems to gain additional revenue on their rental property.

There are coastal commission guidelines in addition to the zoning and building department requirements.

If I were you, I would look into the HELOC to access your additional equity.

I do not accept couples renting their first property together, friends sharing rent, applicants from out of town, credit below 650, less than 2 years employment, pets.

Additionally, the schools for this neighborhood are excellent.

I do however, think that it would present a very unique opportunity for a buyer with children whom wants to relocate from the city (easy commute in) and perhaps have additional rental income, OR move the in-laws into the ADU.