Is your DSCR ratio greater than 1-meaning are you cash flowing (according to the lender's criteria of mortgage, property taxes and insurance (and HOA) if applicable).

Right now she has a Occupational Therapist in the downstairs (1/1) and an elderly couple who had a major flood and insurance is paying for it.In Atlanta, I am betting you will have all sorts of possibilities.

Is your DSCR ratio greater than 1-meaning are you cash flowing (according to the lender's criteria of mortgage, property taxes and insurance (and HOA) if applicable).

It depends on the laws in your state, the agents and clients comfort zone, as well as insurance. 

To make it more complicated, I have ACV insurance, so that makes it harder.

Let the professionals do this properly to not have to worry about breaking your title insurance, or at least ask your closing agent if a Quit Claim deed will void your owners title. this could be different in each state. #5.

Those that respond “$0” or something ridiculous, you can request income documentation from them to justify.Don’t be afraid to share with them how much your property taxes & Insurance increased and that YOU cannot afford to absorb them.ALWAYS get an increase or something of value annually when rents are increasing or tenants will start thinking they should never have an increase, making future increases that much more difficult to negotiate.

Is your DSCR ratio greater than 1-meaning are you cash flowing (according to the lender's criteria of mortgage, property taxes and insurance (and HOA) if applicable).

Your zoning should be ok, but you want to do everything by the book (which can be costly) to percent future insurance claims or injury claims in an unpermitted basement living space. 

You are mention the higher costs for MTR-- I would adjust the cleaning fee and add incidental insurance like Waivo to cover those costs.