Questions usually arise when the appraiser sees a kitchen, bedrooms, full bathrooms - when the space is clearly set up to be used as a multiple dwelling, as a separate living space. 

Such as 1 Dwelling Unit per every 1,000 square feet of lot area.

They probably have options but what I usually get is 20yr  amortization  with 5 year reset or balloon around 5% interest rate.B) Some of the newer portfolio lenders like Dwell, B2R, Firstkey.

Hi,What do closing costs in Minnesota average for multi family dwellings (duplexes, triplexes) specifically? 

It is a MIL, not a second dwelling unit.

They are called "accessory dwelling units" and are only allowed in properly zoned areas.

The tenant may not unreasonably withhold consent to the landlord to enter the dwelling unit from time to time in order to inspect the premises; make necessary or agreed repairs, decorations, alterations, or improvements; supply agreed services; and exhibit the dwelling unit to prospective or actual purchasers, mortgagees, tenants, workers, or contractors.

This loan allows you to borrow a construction budget and even will allow you to borrow 6 mos of the loan's payments if the dwelling is not livable at the time of purchase. 

We are looking at "Rental Dwelling" insurance policies with $500K in liability coverage, $5K in Medical Payments, $4K for contents (even though we won't be living there, the company says that's the minimum).

I would say that $1000 for a weekend course is way too much... then again maybe for someone super recommended by other real life active real estate investors and on a specific subject I want to dwell I would spend that or more.