We're getting judges that are weighing the facts of each eviction case with much more consideration and permitting tenants to stay in some situations where they would have not been able....so landlords raise rents, tenants can't pay and have nowhere else to go...property owners evict...judge needs re-elected...tenant stays.   

St Farm is probably going by the last date they see for any Claim or Permit (if any). 

I am newer to this forum so apologies if I am posting in the wrong place but I have a couple questions about purchasing a SFH with an un-permitted ADU.

We require all tenants in our lease agreements to have renters insurance that specifically covers liability if their dog bites someone on our property (for those breeds of dog we permit a tenant to keep on the property). 

This includes verifying income stability, rental history, and conducting background checks as permitted by law.

If someone dies in the bedroom and there is not an egress window, you face serious liability.Ultimately you will need to pull permits, so talk to the permit office.

And of course there's the standard closing costs of the loan, initial insurance payments, permits etc. 

I added a Master Bedroom and Bathroom which required a Floodway Permit. 

And when did your building permit get approved?

The value of 3 acres zoned multifamily vs 3 acres that has full entitlements (meaning you just go to the city to pay permits and start building) is significant.