The policies are also distinct for long-term versus short-term rental properties.It is worth checking with your original insurer to see what kind of policy would be needed overall (both units).

Your name is distinctive enough that a number of us just won't pay attention to any questions you may have or any responses you might give. 

Andrew a quick clarification here....there are actually two related and distinct categories of units listed within City of SD; Companion units and Junior units....While the Junior units do require owner occupancy, the Companion units regs do not list that as being required.

Sorry I did not make that distinction in pre previous post..

This appears to be an important distinction (without a difference?)

Fair housing prohibits discrimination against persons with disability.I don't practice law but this is a basic distinction that all landlords should make themselves aware of - and is equally important for renters to know their rights.

ask your accountant to make the distinctions before you throw them under the bus.. what the OP who started the thread should do.. 

This area (our “Farm Area”) comprises a number of distinct neighborhoods, no more than 1.5 miles from its center point, all basically surrounded by major highways and with no river crossing delays, a significant advantage to daily commuters.

@Devon Craychee  I also voted on your post because the distinction between fiduciary and non-fiduciary advice is so important.  

THAT is a key distinction.Another distinction which usually keeps people poor is the difference between "saving" (read: not spending, a consumer concept) and earning or profiting (an entrepreneurial concept).