The challenge is buying the land. Lenders want large down payments on the purchase of land in this market.
No less than 40% in most cases and that would be a good situation. If you fly over that hurdle, it depends where you buy and your risk tolerance. In Santa Cruz county the planning and zoning department can spell out the particulars for your specific parcel. If it is a remote parcel and your neighbors know it is temporary housing, you might find them agreeable to a trailer. However, if you are creating gray water issues, ( used water from showers, dishes etc.) or if you have no permit for septic or some other system for waste removal, this would be a serious violation.
Building in the middle of a residential developement within city limits would pose additional challenges.
Where is the parcel you are interested in?
Sereno Group Real Estate
831 515 1101