If you are not starting right away, you may need to cover it under a vacant dwelling policy and then switch to a Renovation Builders Risk when you are ready. 

Section 47a-23 ofthe Connecticut General Statutes is modified to provide: “(g) Nolandlord of a dwelling unit, and no such landlord’s legal representative,attorney-at-law, or attorney-in-fact, shall, prior to the repeal orexpiration of the public health and civil preparedness emergenciesdescribed herein, deliver or cause to be delivered a notice to quit or serveor return a summary process action, for any reason set forth in thischapter or in sections 21-80 et seq. of the Connecticut General Statutes,except for nonpayment of rent due on or before February 29, 2020, forserious nonpayment of rent as defined herein, for serious nuisance asdefined in section 47a-15 of the Connecticut General Statutes, or, provided the notice to quit is not delivered during the term of anyexisting rental agreement, for a bona fide intention by the landlord touse such dwelling unit as such landlord’s principal residence.

Four unit dwellings do not require sellers disclosure so any seller completing a sellers disclosure is just opening themselves up for more lability in the sale.

@Hugo Jimenez this is definitely not something that comes up very regularly; however, it is specifically addressed by Florida State Statute 83.59(3d) as indicated below:F.S.S - 83.59 Right of action for possession- (3) The landlord shall not recover possession of a dwelling unit except:(d) When the last remaining tenant of a dwelling unit is deceased, personal property remains on the premises, rent is unpaid, at least 60 days have elapsed following the date of death, and the landlord has not been notified in writing of the existence of a probate estate or of the name and address of a personal representative.

Seeing as it’s not a living dwelling that shouldn’t be a problem.

The plan is for me and my small family to live in one of the dwellings while the other is making us $.

If your lot allows for it, you can build an Accessory Dwelling Unit (ADU) and rent it out. 

The two member condos were just formed to sell two dwellings on one lot and maybe share one water meter.

I won't speak to renting out un-permitted dwellings, but read the ADU/zoning restrictions for your area. 

I mean it’s classified as a 1-4 unit dwelling so you could write on a personal lines form or commercial.