@Edward Burke  For lending purposes, you should only have a problem if the dwelling coverage is less than the loan amount. 

The Dwelling Place does amazing things for victims of domestic abuse and may need assistance from a housing expert like yourself.

@Rick Shurtz - There is a provision in the zoning code for additional units, your agent should be able to walk you through the requirements13-196-740 One additional dwelling unit over original allowed – Conditions.

But don't add a stove and don't get it permitted as an in-law/ADU (Accessory Dwelling Unit).

Or ideally a home that has a legal “Ohana” (family) house or permitted ADU( Accessory Dwelling Unit).

Yes this is much cheaper than having a landlord policy that covers the dwelling structure and loss of rents.Ex.

It is.So your small structure might not be economically reasonable.If you do decide to build an actual second dwelling, I recommend reaching out to @Josh Braun of Torque Development.

It would be nice to share ideas.A few more specifics: - I’m interested in single-family or small multi-family dwellings in A or B zones- The closer to the West Coast the better, but that said, I’d be willing to go all the way to Nova Scotia if that’s where the math works best...ideally I’d like to follow the one percent rule - Random detail: I’m actually a poet looking to support my writing habit through sound investing.

Due to work finally catching up with me, one of my thoughts I've been throwing around in my head is the following:The house I am currently living in use to be a two (2) family dwelling.

If you're buying a flip project, you'll either need a Vacant Dwelling policy or a Builder's Risk policy.