In fact in one town some old multi-unit properties being 'sold' at the tax lien auctions are often re-zoned to SFH, no exceptions.We also find that our insurance carrier will not cover a multi zoned SFH as they require legal zoning 'use' to place the policy.

@Jerryll Noorden I honestly don't see one useful piece of advice that you've given anyone other than talking down on other members/investors.If you're here to help, then help.If you're here to simply promote yourself don't waste our time.I don't care if you use carrier pigeons to get deals.

We have multiple carriers that will write it.

One of the sites that provides ESA letters, onlinedogtor, stated: Because the laws that allow you to live with your ESA (Fair Housing Act) and fly with your ESA (Air Carrier Access Act) are federal laws, the requirements in Colorado are no different than in all the other states.

It's like getting a call from an unknown number on your cell, and seeing the 'potential spam' indicator on the screen from your carrier.

@James Masotti and @William SaintAmour the rebuild cost the insurance carrier will be higher than the builders cost.  

Scott Pulling Many other carriers will allow you to carry it as vacant.

And they require having my auto policies as well, which is at a higher rate than my current carrier.

@Wade Sikkink You're correct that insurance won't protect you from being sued, but generally insurance policies require the carrier to provide you with a defense in case you are sued - so they cover your legal fees.

I'm 99% sure the carrier will determine the peril to be water damage based off what you've described above.