@Edward Burke  For lending purposes, you should only have a problem if the dwelling coverage is less than the loan amount. 

I know these sites don't mean to mislead but the numbers are done by humans who are not investors; so make a point of doing your own.

If I were to choose to contribute to a charity it would be the Humane Society.Nothing more rewarding in my opinion than assisting a helpless or abused animal.

@Rick Shurtz - There is a provision in the zoning code for additional units, your agent should be able to walk you through the requirements13-196-740 One additional dwelling unit over original allowed – Conditions.

Now that the can has been removed, zero issues, humans are interesting social animals eh.

But don't add a stove and don't get it permitted as an in-law/ADU (Accessory Dwelling Unit).

I'm guessing it's just a normal furnace for a rental so yes it'd be a 27.5 year asset since it's necessary for the normal operation of the building and provides human comfort.

Or ideally a home that has a legal “Ohana” (family) house or permitted ADU( Accessory Dwelling Unit).

Yes this is much cheaper than having a landlord policy that covers the dwelling structure and loss of rents.Ex.

It is.So your small structure might not be economically reasonable.If you do decide to build an actual second dwelling, I recommend reaching out to @Josh Braun of Torque Development.