You can probably just go ahead and live in that 5th unit, but I believe whenever you go to refinance it with a bank or what not, the 5th unit will make it require a commercial loan and not residential regardless of what the county records show the property to be. 

page=LoadVirtualDoc&BookmarkID=6536) that capped annual increases to the Taxable Value of a property to the lower of 5% or Michigan's Cost of Living increase.

For context, the tenant is an elderly lady in her 70's who lives alone.

I grew up north of San Francisco and moved out here to live and invest.

I live between Somerset and Middlesex counties, so I’ve definitely noticed how tight the inventory can be.

So white shaker cabinets and quartz countertops really don't get a premium, because a majority of the tenant base would rather save $200/mo and live with the oak cabinets and laminate counters.  

If you want to run a charity for your relative, then you could just help them with the mortgage, or buy the house from them for a great rate and let them live there cheaply.

And there are even more carriers who would insure co-living rental w/o owner-occupied - for example Obie.

My wife's siblings have built 2 house on this land as there own houses they are living in The property is a total of 15 acre and each siblings got a portion of the property.

Usually when a landlord cannot find qualified tenants but are getting a fair amount of inquiries there's an underlying real estate problem and the qualified tenants simply do not want to live in that location.