Stairs to Loft/Attic Access

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We have a loft/attic in the granny unit ADU with 4 feet headroom. I am considering putting a mattress there and convert that into sleeping area (similar to the 3rd image)

I found some ideas online to access the loft - however I don't believe any of these are built to code?

I am planing to use this space as airbnb for Corporate rentals (30+ days). This ADU has 1 bedroom 1 bath & the attic/loft will be an extra space.

Should I even bother using the loft/attic as an extra sleeping area for the tenants? Will this be a major liability issue down the road? 

Also I am in the SF Bay Area which is very tenant friendly so looking for guidance.