According to the RLTO you have 48 hours to correct a problem like this and 90 degrees would not be considered habitable by the city

@Steve Babiak correct! 

As for the insurance situation, @Jaysen Medhurst is correct, that your insurance company will be concerned that you're using the property in a way that it wasn't technically intended, even if it's property setup for a three unit per building codes.

But what you’re encouraging is that when I am 23, I should use the first 4 or so years just building a portfolio of LTR’s and then when I am 27, look into leveraging STR’s to meet the “Real Estate Professional Status” and “Material Participation” the IRS outlines, correct? 

Appreciation is the most attractive thing about the miramar and destin market if you buy the correct property!

Asking in the correct forum will get a better response.Need a spreadsheet or form?

. - appraisal could come back subject to corrections. - unless you get some whacko judge, there should not be any issue collecting rent on unpermittted unit, having a move-out cost (no fault eviction) in excess of the standard rent control or eviction process in excess of standard rent control hurdles.    

Honestly, since you are identifying the problem and correcting it, I'd stick it out and push through. 

Once corrected and on the correct path the screening went smoothly.

What is your go-to paint color and brand?