.- Any expense on line 14 "repairs" can only be added back with a bunch of supporting documentation matching exactly & based on a human underwriter's judgement call on the "one time" nature of it (and how that underwriter's mood is on that given day) on a one-off basis.

If the area you are in allows 8 dwellings per acre and your area is already at 8, the city will not allow you to split that property, creating 9 units per acre.

Policies for rented dwellings can have different levels of coverage and different exclusions. 

If you want to advantage of owner-occupant financing, you'll have to occupy one of the dwellings.  

Is a Builder's Risk, vacant dwelling all I "need"?

When you get a human to talk with at either auction.com or TenX, dont take the note that a legal will get in touch with you, instead keep talking till they can either give a manager's or legal departments contact # to talk to, OR ask them what your other options are. 

I am a Spiritual God Lover, a Husband to an Amazing Wife, a Father to three wonderful children, an Entrepreneur as a Real Estate Investor and Realtor, a Perioperative Registered Nurse, and, overall, a Good Human Being.

Times that by 2 for the entire dwelling $7,020 a month.

In regards to ESAs, the application of law is from the Fair Housing Act which states a "a refusal to make reasonable accommodations in rules, policies, practices, or services, when such accommodations may be necessary to afford such person equal opportunity to use and enjoy a dwelling."

I can’t dwell on this considering some have had way worse issues.