California has seen huge uptick in home insurance, I'd imagine Santa Cruz has a high fire insurance

If it's just slapped in the backyard, i'd imagine it may not make a big difference but if you create an environment around it, it could be different.   

If you’ve worked with trustworthy contractors or subcontractors in the Jackson County/MO area (especially those familiar with investment properties), I’d love your recommendations.

I imagine the whole process is simpler but can anyone tell me how different it is when you don't borrow the rehab costs?

It seems like location would be especially critical with pad-split (and similar systems), but I’d love to hear your thoughts on what to watch out for in terms of zoning, safety, or demand.Also, I’ve traditionally rented out units the regular way, so I’m curious how screening tenants works for you with the pad-split (and similar) model.

Come to think of it, though, I can't imagine why they wouldn't let me perform one just to understand how much I can offer.  

I would imagine most attorneys located around the MA, NH border area plan to make more than $200,000 per year.

Imagine interest rates drop 2% or more in 2 years.

I imagine there is a good level of demand for your services in a city like Nashville!

But my solution in your case would be to frame out a dividing wall of 2x4s and either drywall or if the basement is prone to taking on water then I’d look for something waterproof as opposed to the drywall.