Eventually, i would like to be a real estate investor; whether it's renting out a single-family dwelling, duplex, etc.. 

If an underlying policy, (ie. auto, home, boat or rental dwelling ...) has its limits exhausted by a covered loss, the umbrella will start paying at that point.  

Description: The size of the dwelling is used to determine whether it is overcrowded.

Most insurance companies will only write Homeowners policies for owner occupied dwellings.  

Or single family dwellings. 

The ordinance may require a permit to be obtained for the creation of a junior accessory dwelling unit, and shall do all of the following:(1) Limit the number of junior accessory dwelling units to one per residential lot zoned for single-family residences with a single-family residence built, or proposed to be built, on the lot.(2) Require owner-occupancy in the single-family residence in which the junior accessory dwelling unit will be permitted.

A person on entering into an agreement to build a swimming pool or contained body of water or sell, rent or lease a dwelling with a swimming pool or contained body of water shall give the buyer, lessee or renter a notice explaining safety education and responsibilities of pool ownership as approved by the department of health services.To me, every pool needs a fence!

For MF properties in Bremen, you will most likely have to do a multi approach to sourcing the right deal: market to off market properties to see if they’re interested, watch the MLS, and look for properties that have enough land and zoning will allow an additional dwelling unit (ADU) like garage apartment or tiny house 

In the area of town I live and invest, there are already a lot of singles next to true duplex next to quads, so there is less scrutiny in general around it anyways.The things that I would primarily check is was the work permitted and approved as a separate dwelling unit.  

I generally do $125 per sq ft on a condo for dwelling coverage if it helps at all.