Everything was permitted correctly and done by the book. 

At a minimum, the lease needs to state that only SHE is the tenant and no other occupants are permitted without permission.

As a hard money lender specializing in fix and flip deals, I can offer some insights on choosing the best lender for newcomers to the fix and flip market:1.

Basically, this will make it difficult to get an STR permit if you are no5 already operating the unit as an STR.  

I would speak to an architect and permit department to see if its buildable 

How easy/hard to get permits and timelines?

Finally secured builer in October 2023 took until jJune to get permits and now The insurance company says they won't pay until building is complete.

I have seen it from the street and it "could be" 2/1 1606 but won't know for sure until I can get in which won't be until next week.Question is, wondering if it's possible the owner added on but did not get a permit so it's not on public record. 

We have in a hand the permit to build a 3/2 1100 SF home in backyard.

You'll either have to convert the house into a legal duplex by getting permits from the city or you install an electrical panel split so that you can track each units/bedrooms of their power usage.In terms of lending world and being to use the rental income, the property needs to be a legal duplex meaning title must be shown as a multifamily and not a single family in order to use the rental income separately.