In general the insurer wants a recent survey to consider it for a deduction on your insurance.Do you have wind mitigation devices for the dwelling?

Landlord intends to install and/or replace a keyed deadbolt on each exterior door of the dwelling.

. Ownership of a multifamily property consisting of more than four dwelling units. Joint or total ownership of a property that is held in the name of a corporation or S-corporation, even if the borrower is the owner of the corporation and the financing is in the name of the corporation or S-corporation. Ownership in a timeshare. Ownership of a vacant (residential) lot. Ownership of a property that is held in the name of an LLC or partnership where the borrower(s) have an individual or combinedownership in the LLC or partnership of less than 25% and the financing is in the name of the LLC or partnership. Ownership of a manufactured home on a leasehold estate not titled as real property (chattel lien on the home).

The homes I have are single family dwellings and now I want to get into multi family properties.

If the PR is also an heir, preferably sole heir, and does not reside in the property, you have a decedent chance of acquiring prior to her listing w/agent in MLS.It may be an investor-type who acquired an heir's interest and is probating to clear title.Of course, there are a lot of 'what if's' that you could drive yourself crazy by dwelling on.

When you convert to a fire dwelling policy it's likely they won't enter the property.

.#1 if it costs 5-10% of the dwelling to replace ( coral bathroom fixtures or a suite of chocolate brown appliances) tread carefully. 

At this point, I would not let it bother you and dwell on it. 

Zoning, health dept. permits, land restrictions, building permits to meet code (garages aren't the same as dwellings), etc.

I have a property that I could only get a 15 year loan on because the dwelling was literally a shack.