@Matthew Finamore - Reach out to Steven Turner with Morris Insurance Agency, LLC.

I recently got my first fourplex and I’m looking to do brrrr with a partner, because of my lack of capital.

bone up on Agency and law .. that's 50% or better of the test.also you will have a bunch of practice questions memorize answers.. many times they are verbatim.Getting the license is just like getting a license to fly.. once you have it now you have a license to learn the craft.. the tests do not teach you to fly and they don't teach you how to be an agent.

There are a few things to come to mind after reading your post, as I noticed its lacking more details. 

The majority of STRs you see for sale or those with lacking design and amenities...and there is a reason. 

A more general observation on this topic, intended for you and any future readers - find out from the agency that has control over this area exactly what it takes to LOSE grandfathered status.

During the pandemic I did MYR for travel nurses, not for the $ but because of a lack of accommodations by a small community hospital.

And Fixed 2nd Mortgages are fine, but lack the flexibility of a Hybrid HELOC and you have to take 100% of the cash now and pay the interest on it. 

Between the owner occupancy requirement of JADU, the lack of value added by a JADU, and it often making primary unit rent controlled, the JADU typically is a poor investment.  

Put them on notice that they will be held liable if there is a claim while you are uninsured, since the lack of insurance is their fault.2.