I let a contractor scope a $148k garage conversion before I found out my city requires owner-occupancy for five years after an ADU permit closes

so that kills the plan where i move out in year two and rent both units. i bought this place in fresno in 2022 for $385k with exactly that exit in mind, primary for a couple years then pull back and collect on both. the owner-occupancy covenant gets recorded against the deed and the city does check, neighbor complaints trigger it and so do permit pulls on the main house. five years means i'm sitting here until 2027 at the earliest before i can leave. the garage conversion still pencils if i stay, $148k all in, projected rent on the adu around $1,450 a month, but i'm running it as supplemental income rather than the full rental play i was planning. the alternative is i sell in 2025 when i hit the two-year capital gains window, take whatever appreciation i have, probably $60k to $80k if comps hold, and roll that into something that doesn't come with a residency string attached. the conversion math isn't bad on its own, around $17,400 a year gross, but i built this whole thing around eventual vacancy of the main house and that's off the table for longer than i want to sit still.