You can specify the coverage level for the dwelling, household furnishings, loss of use, liability, and medical payments to others.

I would think having a landlord or rental dwelling policy is a much higher cost to be mindful of.

This zoning allows for single-family homes, duplexes, and other medium-density multifamily residential uses, with a maximum density of sixteen (16) dwelling units per net acre.We're seeking advice on how to maximize the potential ROI of our lot.

It is common on vacant dwellings for the policy to have Warranty that either the heat will be maintained at a certain temp. or the pipes will be drained and winterized.  

Instant online approvals.. 

On a positive there are 15-20-30 year amortizations and increasing income qualifications including instant approval and AVM (no appraisal requirements) for very clean applicants, and creative documentation for self-employed borrowers or investors such as bank statements or even DSCR (usually up to 75%LTV) for investment properties. 

The landlord's dwelling policy could provide coverage here. 

Investing in class D areas may feel like instant (cash flow) gratification, but will not get you very far.

I have the CC&Rs and the relevant section states:(A) Unit may only be used for a single family dwelling.

I have it and I don't really buy direct from homeowners I just like it because its so cool.. and I can instantly see who owns what ... etc etc.and its like 50.00 a month for gosh sakes does not get better than that.