If you try to call Cook County, you might never reach a human being!

Your landlord friend isn't as much "desensitized" as he is "enlightened" to human behavior. 

I have seen some situations where a company used a vacant dwelling policy and endorsed it for renovation.  

Nothing wrong with dwelling on the silver lining or being positive but thats not my style. 

Nuisance include animals in public areas who are not under the complete physical control of a responsible human companion and on a hand-held leash of no more than six feet in length or in an animal carrier."

The likely policy will be a Renovation Builders Risk or a Vacant Dwelling with Renovation. 

Let's do this.home staging sells1.HELP POTENTIAL BUYERS ENVISION THE LIFE THEY'VE ALWAYS WANTEDThe "lived in" look won't sell a home any faster, but one that is prepped to "dwell with pride" certainly will.

We may have discussed some of these previously but I'll list my ideas of your type of situation.Review the city/town's zoning by-laws to understand the allowable use for accessory dwelling unit (ADU).

When determining the Section 121 gain exclusion, no gain allocation between business and nonbusiness use is required as long as both the residential and nonresidential portions are within the same dwelling unit.

(We see a lot of clients do this like these two, and if I were in your situation this is what I'd do, but that's only because I'm only so fond of other humans and don't want roommates.)