Any references for that are appreciated! 

Seemingly if I made this an ADU instead of a duplex I wouldn't have to rate these walls, once again complicating the intent of the code.Just above the code section I reference one of the exceptions to fire-rated walls includes exterior walls of individual dwelling units on the same lot, which may eliminate my need to rate those exterior support walls.

Remember that chaos typically means reward.

It's in Grand Rapids, MI for reference.

When you say "institutions" are you referring to the lender?

Speaking to investors last spring, AMH executive Bryan Smith touted a recently implemented "pet program" and said, "we're very excited about the opportunities we're going to have for ancillary revenue," referring to fees.

This takes a lot more time but is so much more rewarding now that I am in control of the VAs and the outcomes in my business.

As I mentioned this is my first property and I got to this point without too many questions since my realtor was really helpful, but my property manager wasn't as helpful and she mentioned that I should discuss this with my insurance agent, That I don't really have one reference to trust, so also if anyone has a good insurance agent from Utah it can be helpful.

@Alan Asriants, my wife, who is a designer, and her other design focused friends, refer to these as "Dude Flips".  

We always used private loans from people we knew and then later networked with or were referred to us.