Is it even legal to own a SFR but rent both living spaces out to different tenants as a SFR zoned property?

The one caveat about the STR market is that municipalities around the world are beginning to regulate the market so what is legal today might not be tomorrow.

Do not rely on it for legal advice.

If you want to be safe, keep anything they left for a while in case they come back for it.If all you had was verbal comment that they are leaving, you may need to go to court for possession of the unit so that you can legally throw out the items they left.

Great question - Start by understanding what lodging options are legal in River Beach. 

If you can get the divorce, read through it to see how the owners are legally obliged to handle a sale of the property.

This is not legal advice, just my opinion as a real estate investor.- Scott

My only income is the rent and about $25k in consulting work.A local originator has quoted me the following for a no-doc loan:Closing costs per property:3% Origination fee (he said he may reduce this since I'm refi 2 loans)$750 legal doc fee$2950 servicing feeStarting Rate on a 30 yr fixed with interest only 1st 5 yrs: 6.25% LTVs <= 60% 6.75% for LTVs > 60% and <=70% 7.25% for LTVs > 70% and <=75% 7.50% for LTVs > 75% Adjustments: 0.50% added for borrower cash-out 0.25% added if borrow• 0.25% added if borrower / guarantor FICO is between 650-699 Are these fees and terms reasonable? 

A lot of forum members are very knowledgeable in their respective fields related to real estate investing, whether that is real estate sales, wholesaling, flipping, rentals, lending, self-directed IRA and Solo 401k investing, or tax and legal guidance.The site has quite a few tools that can be helpful for new members.

My only income is the rent and about $25k in consulting work.A local originator has quoted me the following for a no-doc loan:Closing costs per property:3% Origination fee (he said he may reduce this since I'm refi 2 loans)$750 legal doc fee$2950 servicing feeStarting Rate on a 30 yr fixed with interest only 1st 5 yrs:6.25% LTVs <= 60%6.75% for LTVs > 60% and <=70%7.25% for LTVs > 70% and <=75%7.50% for LTVs > 75%Adjustments:0.50% added for borrower cash-out0.25% added if borrow• 0.25% added if borrower / guarantor FICO is between 650-699 Are these fees and terms reasonable?