The term “transient accommodation uses” includes but is not limited to hotels, motels, recreationalvehicle parks, tourist lodging facilities, resort condominiums, resort dwellings, vacation resorts, and dwelling units occupied or available foroccupancy on an interval ownership or “time share” basis, when any of the above are made available for occupancy more than three times in anyconsecutive 365‐day period and the right of occupancy is for a term less than monthly.The term “transient accommodation uses” does not include any of the following uses if such use otherwise complies with the applicablerequirements of the City and is licensed by the State of Florida, if such licensing is required by law: bed and breakfast homes, community residentialhomes, nursing homes, rehabilitation facilities for persons with drug, alcohol, or physical impairments, respite care facilities for persons withterminal illnesses and their families, short‐term/emergency housing or long term housing where allowed by this chapter, and child foster homes.The term “transient accommodation uses” does not include a guest house dwelling, when one or both of the sleeping rooms are located as apermitted accessory use within and incidental to the primary residential structure and the primary residential structure is owned by a naturalperson and occupied by the owner.

Most people would rather live in a detached unit of a multifamily than an attached unit...I currently live in one of my multifamily properties that has a shared wall which is perfectly fine with me but currently looking for the next place and ideally it would be detached units for more privacy...Duplexes  generally tend to be smaller here in San Diego (2 bed/ 1 bath units are most common) and those with families and kids tend to want atleast a 3bed/2bath which maxes a single family home with an Accessory Dwelling Unit (ADU) more attractive.

I'm working on getting my first property under contract, and I would really appreciate advice on whether my plan would be violating the terms of the mortgage.PROPERTY & LOAN INFO:-Conventional Loan for a Primary Residence-Single Family 2 Bedroom Home with a basement and an accessory until (360sqft tiny home).PLAN:-My partner will be on the loan (and therefore must have the house as her primary residence for 12 months), and we will build out the basement as her living space.- Will rent out the rest of the house (2 other bedrooms and accessory until) via long term rent or Airbnb.MY QUESTIONMy mortgage lender is concerned that renting on the rooms to long term renters or Airbnb during the first 12 months may violate the mortgage agreement. 

Lots of properties with mother in law suites and other accessory dwelling units called “carriage houses”Use https://landlordy.com/ to manage the house hack and it will make your life so much easier.Feel free to reach out if you have any questions!

I think @Colleen F. right with the accessory dwelling but I  don't know where to look to verify this. 

Not currently easily atleast but they are in talks about changing the zoning laws to where you can build/legalize accessory units soon.

But I try to avoid it mostly if I can, I hate walking into any home and seeing those same vanities and accessories you see in every other flip that were bought at Home Depot.

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We have a larger property and are considering adding a detached accessory dwelling unit to the back of the property for rental income.

So how about this version of the section on insurance"The Renter hereby agrees that they shall fully indemnify the Landlord for any and all damage to or loss of the Renters property and any accessories or related equipment during the term of this Agreement whether caused by fire, theft, flood, frozen pipes, vandalism, or any other cause.