Don't forget about your property taxes going up to account for that ADU.

We do not factor in capital gains tax in our final net profit projection Hope that helps!  

I hope things have stabilized since then.

Hopefully you can get a bunch more there.

This certainly doesn't answer your question - only the landlords who have interacted with you can - but hopefully it gives a little more about the mindset of a landlord.

Quote from @Leo Ray: LOL ....next up: a videogame simulator for doing your taxes.

Hope to see you there!

Hopefully the BP community has some suggestions for us!

The low income versus high cost of living is referred to locally as the sunshine tax. https://www.businessinsider.com/most-expensive-places-to-liv...https://www.census.gov/quickfacts/fact/table/sandiegocitycal...It is my view that the incomes cannot sustain the high cost of housing in San Diego but it has seemed this way to me for four decades and yet the RE prices keep increasing.  

I would try for a commercial loan like John said and hope for the best.