Assault with a deadly weapon and shooting on an occupied dwelling tend to only happen in the worst.Having lived there for over 10 years location is definitely #1 as the neighborhood quality can change pretty quickly from street to street, so make sure you work with someone who really knows the area.Other than that, be sure to do your due diligence on the property itself as @Abraham Bar suggested.

I'd assume if the owner has rental license for each unit that would mean that the property has variance for 2 family dwelling.  

Now the dwelling is possible worth $100000-120000. 

It has a 2nd dwelling that is a 2/1 with its own kitchen/laudry and so forth.

For example, city of Phoenix, AZ charges special sales tax on all rental dwellings in the city, my property manager pays that of of the income and the rest goes into my 401k. 

I try to get a policy that covers theft and vandalism on a vacant dwelling. 

I'm having troubles trying to get a HELOC on my property and I cannot find any CMAs close to what my property is worth on an 8-acre partial with two dwellings ones a 1980 manufactured home the other is a stick-built 1932 trying to get CMAs having very hard time getting comps in my area the address is 6515 State Route 9 Sedro Woolley Washington 98284 the other house that's on the property is 6511 State Route 9 Sedro Woolley Washington 98284 can anyone please help me pull some comps on the property to see where I am at for pricing so that I can get a good idea what to ask for a HELOC on the property

Unfortunately-due to the location of the dwelling, and the detached garage being within 10 feet of the property line of the adjoining property.

my lender is asking for the full loan amount to be the "Dwelling Coverage" ?  

Your borrower should have purchased a vacant dwelling policy with course of construction and builders risk endorsements, @Raj G. .