Question on has this been difficult to do / do you envisage any issues with the new Renters Reform which looks soon to be confirmed?

AEI urges reforms like smaller lots and mixed use zoning to boost supply and ease pressure.What should be prioritized: more housing development or preserving existing community character? 

Crazies is an understatement.On Monday Newsom signed "historic" legislation to "reform" CEQA.

My biggest thing is the zoning reform is one step in the right direction but the barrier to entry for doing these developments is still so high that 95% of the lots that have this potential are not going to get developed because the owners don't see enough return for the money and effort it takes to do this.  

we need to start to pressure our state congressman and senators for insurance reform.

If you're acquiring this note and security instrument on the secondary market, you could consider converting the DOT to a mortgage through a reformation agreement or new documentation executed by the borrower, assuming cooperation.

High Rental Income Potential;       In LA County, you can expect average ADU rents around $2,050–$2,550 per month for a one-     bedroom unit.On a construction cost of roughly $150,000–$220,000, that translates to annual gross rents of $24,600–$30,600, or a 7–15% cash-on-cash return before financing.Strong Property-Value UpliftHomes with an ADU in Los Angeles often sell for about 35% more than comparable properties without one.For a $800,000 home, that’s roughly a $280,000 increase in appraised value after adding an ADU.Solid Cash-on-Cash ReturnsEven paying cash, you can net 10%+ annual returns on your build cost from rental income alone.And financing the project can still leave you with an $8,000–$10,000 annual net gain after mortgage costs.Resilient Demand & Market DynamicsLA’s tight housing market keeps vacancy rates low and rents high, supporting steady occupancy.Regulatory reforms have streamlined ADU permitting, cutting wait times and softening approval hurdles.Tax & Incentive BenefitsYou can deduct mortgage interest and depreciation on the ADU, improving after-tax returns.Energy-efficiency or solar incentives can further lower net build costs.Things to keep in mind if you already own a property and can't afford to buy another.Upfront Costs & Timeline: Expect 9–12 months and $150K–$250K all-in.Permitting & Utility Upgrades: May require separate electrical sub-panel, meter, or sewer hookups.Maintenance & Management: Factor in insurance, taxes, and occasional repairs.In Los Angeles’s high-rent, low-vacancy environment, an ADU typically pays for itself in 6–10 years through combined rental income and increased resale value—making it one of the most compelling "home-owner" investments today.

While we need massive reform in lending and solutions for home affordability, that ain't it. 

If I had to put money on it, the current administration has made it a focus to get more and more into the hands of the individual states and this seems like a big enough space that it would make sense to do the same.Of course, if the administration treats this like they did issues like Abortion and immigration reform, then I would see a wide-variance by state to determine budget, limitations, and amounts. 

Push for Land Ownership Reform in Coastal ZonesThere are growing conversations — especially in political circles — about potential alternatives to the fideicomiso system.While nothing has been officially proposed yet, 2025 could bring:A new pathway to direct title for foreigners under certain visa typesReform around “second-home” use and limits for non-residentsThis doesn’t mean fideicomisos will disappear, but staying informed will be critical if major reforms are announced.✅ Final Reflection:Mexico is evolving fast.What was true in 2015 may no longer apply in 2025.As a foreign investor, your best move is to:Stay informedWork with legal professionalsAsk the hard questions before buyingAnd never assume that what worked for someone else will work for youIf you’ve followed this 15-part series — thank you.My goal has been to educate, protect, and empower you to invest with confidence.To your success,— Ciro