Quote from @Braden Fisher: Hey my names Braden, I’m a new investor in the salt lake area looking to buy my first deal as an owner occupied house hack.

We have done tons of non-occupied flips too (fast method).

Surplus line is what I have been looking for as I am involved with an older property that is typically found to be uninsurable by a lot of other mainstream insurance companies due to the properties age and some of its original features and surroundings, I just have a question and have done some reading on this and it's really not too clear and it sounds it can go either way really with this and I'm fairly new to all this so I am learning a lot of things as I go but should the private non traditional mortgage lender be listed as additional insured while the person occupying & buying the home and also purchasing the property from the lender be listed as mortgagee?

Good bad idea before I depart - have you considered an owner occupied option?

However, the property cannot be owner occupied.

Here's the situation:I own a tenant-occupied property, which is paid off and cleared.

You may consider terminating the lease depending on how much time remains, your skills, the legal system, and other factors.Based on what you've said, I am concerned there's someone else occupying the home or something else is going on.

As @Patrick Drury mentioned- the West Side does not have any POS areas (besides Lakewood, but it's only needed for previously non-owner occupied/rental properties) Something else to consider in Cleveland proper is Lead Safe Testing ..

For example in many jurisdictions I can STR units in a duplex but cannot STR an ADU (some jurisdictions will let you STR if you owner occupy).

Quote from @Zach Edelman: Are you planning to occupy the property as a 2nd home or as a true vacation home?