Can anyone recommend a company that offers a builders risk policy to cover the construction period but then will also allow a cancellation and refund after work is finished to convert into a standard landlord policy.  

You can convert the library and the famil room into bedrooms, giving you 7bed/5bath.Mortgage could be around $3,000 per month.

Quote from @Leeling Chew: Hi all,My tenant's lease expires on December 31, 2024, and converts to a month-to-month tenancy with a $150 rent increase.

All the rest can be subbed out unless you are doing a full remodel by adding square footage to the house/converting a space (bath/bed etc).

So I get a ton of traffic from other investors copying my stuff without them converting into a lead right?

I am going to talk to my CPA and see if I can convert.   

I recently converted my home into a STR.

There are many reasons that adding a single ADU in southern CA is a less than ideal RE investment (i will post a list at the end) but the negative initial equity is a primary reason as the initial negative equity position consumes the initial cash flow and can take many years to recover.As for converting your home to a rental….

During escrow converted it to a Roth and paid the taxes.

Duplex Development Made Easy - SB 9 permits property owners to convert single-family lots into duplexes.