I wonder if there is a legal leg to stand on to force the HOA to proceed.The complex is made up of several different buildings, some with 3/2, some with 2/2 condos, and some with 2/2 townhouse, so the structural damage is unfortunately pertinent to our unit of 8 dwellings (4 front, 4 back).  

Meredith,Most regular Policies for an owner occupied or rented dwelling will want to insure the building for Replacement cost. 

I don't know how to go about changing to 3 addresses, how to address utilities, heating and any other requirements (e.g. 2 doors per dwelling or 1?). 

I don’t even manage the property and still have to constantly deal with it. 1031 will be the move.I own a house in close proximity as well.I would love to get another property, (preferably a duplex but adaptable) near the beach area.My goal is to start making more passive income and grow a sustainable Real Estate portfolio.Adaptable as I mentoined: to move Into the prospects of MultIfamIy dwellIngs or flIps when comfortable.I like meeting people and am constantly learning new processes.

There are two Home Possible programs, the Home Possible Advantage with 3% down but this program only allows for 1 unit dwellings. 

Unless you are talking about an owner-occupied dwelling with 4 units or less, you cannot discriminate against a tenant with an ESA and you must allow that animal. 

They started allowing accessory dwelling units for owner occupants and have been trying to open up more areas for MF. 

So, while the dwelling coverage in a landlord insurance policy may help with the repair bills if a tenant inadvertently damages the unit while moving furniture, the costs of cleanup if you discover a disgruntled tenant spray-painted the walls may not be covered.”Do you know of a carrier that does cover he above?

A lot of ares zoned SFR are aloud 1 unit per lot BUT you can find some areas allows an ADU (Additional dwelling unit).

The insurance company is concerned as to whether or not the building is owner occupied (homeowners policy) or completely rented (Dwelling/Fire).