Conventional financing, improvements should not exceed 80/85% of the total or land should not be more than 20/25% of total value, some leaway...You find this in areas where you have 5 acres and a small home, like a farm house, where there is more value in the land than the dwelling.....hope that helps....

1.Why do different brokers quote different rates, different dwelling values with the same carrier?

I did indeed check with my homeowners/ auto insurance and they do no offer any coverage for rental propertiesI saw an example of coverage that included the following:Dwelling coverage (A)Dwelling extra replacement costDwelling extension Business liability coverage (L) each occurrenceBusiness liability coverage (L) annual aggregatePremises medical payments coverage (M)Loss of rentAre all these coverages required? 

new rules in Cambridge will make it far easier for owners of one- and two-family homes to convert basements into the add-on apartments that planning nerds call “accessory dwelling units.”

Under the Act, however, a “dwelling” appears to be limited only to residential-type property that actually is occupied or otherwise “used as a residence.”

I found Dwell Finance, but the interest rates are a bit high (6-7%) and I've seen some negative reviews of their lending process on the forums.

And if it is proven the customer knowingly hired an unlicensed contractor , the customer generally loses .And in Maryland, if one owns more than three residences or dwelling places, they're not entitled to make a claim against the Guaranty Fund*.  

It may not include every address in a building or buildings that were exempt at the date of compilation...Rental housing developments exempted from the ordinance include single-family dwellings, duplexes, condominiums, hotels, boarding houses, which are rented to transient guests for periods of less than 30 days, nonprofit homes for the aged, school dormitories, rental units owned and operated by any government agency, and any new rental units first rented after September 7, 1979.

Hey I'm looking at buying a MFDU (Multi Family Dwelling unit), and trying to establish it as condo's so, i can buy some units iwth my Roth IRA and some with my own Cash.

No contractor licensing required in NH, but I do carry the RRP (lead paint) as required by EPA for rehabbing pre-1978 dwellings.