As @Jason Bott said above you can have policies from different providers that all show the dwelling insured for $250,000 but how the company actually settles on payment (ACV or RCV) and what types of losses they will pay out for can be dramatically different. 

Wake County Rental enforcement aka code enforcement in many counties that also regulate dwellings and/or rental dwellings), and city (e.g.

@Cameron Belknap FHA loan rules in HUD 4000.1 mention not counting the basement as part of the Gross Living Area; however, part of the FHA requirements found in HUD 4000.1 includes a section on “converted spaces” which states:“The Appraiser must treat room additions and garage conversions as part of the GLA of the dwelling, provided that the addition or conversion space…is accessible from the interior of the main dwelling in a functional manner; has a permanent and sufficient heat source… and was built in keeping with the design, appeal, and quality of construction of the main dwelling.”Furthermore,“The Appraiser must analyze and report differences in functional utility when selecting comparable properties of similar total GLA that do not include converted living space.

However we’re human and you seem like a compassionate one.I’ve found success by having an honest conversation with the tenants, and laying out a clear timeline.

Create your own by adding an accessory dwelling to a single-family house, as detailed in this BP thread from California:https://www.biggerpockets.com/forums/61/topics/732543-here-is-my-adu-variation-to-brrrr-its-called-bra2xrrDC, Arlington, and Montgomery County have all updated their zoning laws in recent years to broadly permit ADUs within or behind owner-occupied houses.

That's our vision for the audience as well: look at the human side of the real estate investing game to become the best possible version of you.I'd really appreciate any insights, thoughts, content you think is missing out there in Podcastland, or whatever you have to share on the subject.

I could not believe some of the human debris showing up to look at the house. 

We are all human - you'll know better for the next one.

It is well established that in terms of human behavior, motivation will help you for the whole of about 3 days before you run out of it and you fall into a slump where's you think "what's the point?  

We would prefer to keep the human occupants to no more than 3 and pet applicants to no more than two.