Lot splits & two-unit conversions
SB9 lets eligible single-family homeowners split a lot in two and build up to two units per parcel — up to 4 total units where 1 existed. Owner-occupancy of one unit for 3 years is required on a split. Cities continue to test the bounds with overlay rules; San Jose, Sacramento, and Oakland have the cleanest paths.
Treat SB9 as the baseline density play on any flat, non-historic Bay Area lot ≥2,400 sqft. The deal usually pencils when comp PSF supports two detached cottages or one duplex + ADU.