Check out building an ADU(accessory dwelling unit). 

Anyone know of a home owner's insurance company covering Lansing Michigan area for a 4 unit with additional accessory unit for a rental built in 1917 ?

Situated in Houston's vibrant inner loop, it ranks among the city's most coveted and rapidly expanding neighborhoods.Job Growth: Houston is expected to add approximately 57,600 jobs in 2024, continuing its trend of robust employment growth.

We currently are under contract to buy a .3 acre lot in downtown that is in a frequent transit area, which means we are allowed to build two accessory dwelling units on the lot. we are also zoned for a duplex, so that’s the plan!

This should hopefully motivate you to get you off your seat and buy that property that you have coveted. 

Hi All -A bill was recently passed to allow Accessory Dwelling Units (ADUs) (<900 SF) to be built by-right in single-family zoning districts.https://www.mass.gov/info-details/accessory-dwelling-unitsMy understanding is that you could buy a single family home and build an ADU on it and rent it out. 

Great time to explore ADU's considereing recent legislature: https://www.mass.gov/info-details/accessory-dwelling-unitsWould love to connect!

I could get stuck with a house full of substandard furniture and accessories that I need to deal with.

In general you should start looking for a single family house that has zoning regulations that allows to ADU (Accessory Dwelling Unit) or can be setup to house hack. 

.#7 Towamensing Trails - AlbrightsvilleTowamensing Trails is a highly coveted HOA and for good reason.