I met this one investor was trying to sell his MF and the tenant complained that the house had no insulation and the utility bills were at $600+ and tenant didn't want to pay rent to such a landlord.

I am adding value to my primary residence by adding a shower to a half bath and adding interior square footage by insulating the laundry room portion of the garage.

I got a contract in March and the buyer hired an inspector who noted that "what looks like, could possibly be, not sure, but it might be asbestos insulation in the crawl space."

I am risk averse and if I were to purchase, I would tear down to the studs and do a full rehab {this would include getting rid of asbestos shingles and insulation).1) I have done a ton of research and it appears as if getting rid of asbestos is very DIY able assuming you spend money on the safety equipment and use it properly. 

The Due on Sale Clause is part of loans so that the lender has easier recourse in the situation that the property is sold and an argument arises between legal title and equitable title, which would come up after the loan isn't paid and they are trying to collect payment.I hope I can continue to provide the specifics of these exemptions for many more on here as it seems to be a point of fear for investors to properly insulate their business/investments from their personal name. 

strictly read, the city of Austin requires a permit to spray foam insulate around an outdoor water hose bib...because it improves or repairs a structure.  

I say from a quick look 1k on materials is probably closer by the time you figure, studs, plates, insulation ( should be insulated) drywall, mud materials trim, door, door stop, door knob and casing. 

A big issue to consider is the type of insulation in the current garage.

I know "change of use" frequently triggers major expenses like seismic retrofits, insulation and fire code updates.   

@Elizabeth RoseYour attic or the walls may not be insulated properlyOr moisture getting in when it rainsAttach a few pics to your post