Thus why owning a mobile home park with owner-occupied mobile homes is coveted.  

viruses and disease are not a coveted peril under a Property policy and in mostPolicy language listed as an Exclusion.Also, as @Lauren Kormylo states above, the your property is not physically damaged by the virus so the Property policy does not kick in.This is the situation for all businesses in the US in regards to Business Income/Loss of Rent coverage.

Key TakeawaysEven a simple understanding of the cash flow basics can improve an investor’s ability to realize profits.There is perhaps one benefit buy and hold investors covet more so than any other: rental property cash flow.Real estate cash flow is a great goal to strive for if you want to realize a passive business strategy.You could argue that there is nothing more investors aspire to achieve in the real estate industry than passive income.

This should also impact our plans on what we can rent (duplex and not accessory dwelling units) and the cash flow that I can get from the home.Also I've reached out to my current loaner and other lenders regarding my question for refinancing and buying as a first time buyer.

This sounds like a waste of your time so use it as a learning experience and use the inspection to get out of the deal.California passed a sweeping (applies to SFR and multifamily parcels) accessory dwelling unit law that took effect on Jan 1 that generally allows for conversion of any accessory structure or garage into an ADU and removes local jurisdictions' power to limit said conversions. 

Most people sign up based on closeness to home, how cheap per month dues, and amenities offered in base membership.The real money is private trainer sessions, vitamin and protein food shop, clothing and accessories etc. 

Bought a 3x, moved in one, added an accessory unit above the garage that I moved into, then just started down the path of refinancing and buying fourplexes, always fourplexes.  

An inspector inspected my investment property last month due to a report on illegal accessory apartment.

I had luck with a single family with an accessory dwelling unit

Your option to add kitchen and living room space in a garage conversion would be to do a JADU (junior accessory dwelling unit).