This company might be a good option one day, but not now. 

@Kana Watanabe HI Kana,  I work with a company who specializes in ADU's.  

And I've heard good things about @Priti Donnelly's company, so not trying to undermine them. 

Thank youBest,SathishkumarI would potentially try starting out being a cohost in that local area or work for a cohost company .

Isn't it unlikely that a homeowner who cant afford a 2-3k tax bill would even challenge this legally?

You already have the Farm Patch, and Chicken Oil Company is an iconic restaurant that should be open again soon.

We would appreciate recommendations for either insurance companies and/or agents. 

That's the reason there are so many fourplexes and so few fiveplexes or even sixplexes.From what I gather, post offices and utility companies rarely care much about the permitting/zoning issues, so it probably wouldn't have been hard to get those set up.

I've seen landlords live in blissful ignorance for 5-10 years due to dumb luck, then their world comes crashing down and they lose everything.I have a book, there are some in the BP bookstore, or you can check out one of my personal favorites, Every Landlord's Legal Guide by NOLO.

One common approach is to form a legal entity, such as an LLC, where both of you are equal partners.