I feel guilty when I stop working on the projects because I feel the days keep passing and my property is not producing.

@Josue Gudino  inland of Southern CA I would say hold off for a little while longer and see what happens but definitely don't stop looking. 

But id also say to stop wasting money on dumb things like lifted pickup trucks and fast cars.

However, I personally don't expect it to be any time soon given that they have recently announced they have STOPPED charging in some of the states they were previously charging in, and REDUCED their fees by 50% in other states due to COVID-19. 

I’ve been trying to stop this guy for at least 4 months now.

If you're sure that garages get counted towards lot coverage, and carports don't (but both can be used to convert to ADUs), I don't see anything that would stop you from doing this.Of course if the 150 sq. ft. addition isn't so critical, you can bypass all this and just convert the garages into an ADU.

and banks stopping certain lending programs (smaller banks and third party lenders). 

Furthermore, if they are TAW, nothing is stopping you from issuing new lease terms to go in effect in 30 days (consult your attorney blah blah blah), imposing penalties for continued smoking inside the property, prohibited leaving belongings in common areas (if they are doing so), etc.

She decided to rent the house while traveling on holiday for the past year (COVID did not stop her).

We recently noted that as many as 30% of Americans with home loans – about 15 million households – could stop paying if lockdowns continued through summer.