You can also ask for proof of prescription from the health provider.

Psst, take the blue pill.

With all the changes to local regulations (dropped the owner occupancy requirement, as well as other "poison pill" requirements) these units look nearly as good as a true multifamily to me, and often cost significantly less. 

It is a good policy, not catastrophic coverage, it compares to the policy I had at my old job except prescriptions are a little more expensive.

One 1700 sq ft house cost me $18,000 to put back together and if I hires a contractor the cost would have been $32,000.Welcome to the world of real estate for single-family homes where the costs to maintain the properties is about 4 to 10 times more than maintaining properties with a large number of units.I used to let my property management companies get estimate for repairs and the never had a magic wand, magic pills, or magic bullets and I always got my own lower prices and better contractors when I did not want to or could not do the work.Get your own prices, but $12,000 sound about right for a ton of things that have to be done and then you need to worry about the extras that are not on the list.

For me, a rundown house in a rundown neighborhood is a prescription for misery. 

I don't mind paying a couple hundred extra on the mortgage that is going to equity but it's a tough pill to swallow when it going to the bank in the form of higher interest rates.   

Take a chill pill and STFU.

I don't have all the city-by-city regulations in front of me, but most will have all or some of the three "Poison Pill" regulations that slow ADU development.

.$97k is a tough pill to swallow.