Is your primary dwelling an investment?

You may want to contact an agent in FL and get some estimates on the costs of the coverage both for the Rehab and also for the Dwelling/Fire policy you will need once you rent it out.  

You'll need a vacant dwelling policy for the actual structure itself.

Often these uses are "allowed by right" since the original neighborhood would have had these types of dwellings and was allowed prior to the city adopting the unified development code.

(A) A landlord who is a party to a rental agreement shall do all of the following:(1) Comply with the requirements of all applicable building, housing, health, and safety codes that materially affect health and safety;(2) Make all repairs and do whatever is reasonably necessary to put and keep the premises in a fit and habitable condition;(3) Keep all common areas of the premises in a safe and sanitary condition;(4) Maintain in good and safe working order and condition all electrical, plumbing, sanitary, heating, ventilating, and air conditioning fixtures and appliances, and elevators, supplied or required to be supplied by the landlord;(5) When the landlord is a party to any rental agreements that cover four or more dwelling units in the same structure, provide and maintain appropriate receptacles for the removal of ashes, garbage, rubbish, and other waste incidental to the occupancy of a dwelling unit, and arrange for their removal;(6) Supply running water, reasonable amounts of hot water, and reasonable heat at all times, except where the building that includes the dwelling unit is not required by law to be equipped for that purpose, or the dwelling unit is so constructed that heat or hot water is generated by an installation within the exclusive control of the tenant and supplied by a direct public utility connection;(7) Not abuse the right of access conferred by division (B) of section 5321.05 of the Revised Code;(8) Except in the case of emergency or if it is impracticable to do so, give the tenant reasonable notice of the landlord's intent to enter and enter only at reasonable times.

And you had perfectly good assets being lost as the loans matured there was no way to refi and the underlying lenders foreclosed on perfectly good working assets because the owners could not retire debt in cash they had always banked on the ( OH MY BANK WILL roll the 20 due in 5 over they always have).. when they did not boom.. but I don't want to dwell on it I darn near ended up a statistic and its way in the rear view mirror.. but a combination of mortgage market  liar loans  credit freeze .. build stopped  jobs lost this all fed into it.take our PDX market .. 10k homes or doors built a year or more from 1990 to 2008... 2009   700 total that's all.. next year 1500 next year 2500 next year 3500 next year 5000 plus.. 

Hey Michael, One thing you could do is refinance your personal dwelling (80% of equity) and use that money to buy your first rental property or properties.  

Many companies offer unoccupied/vacant dwelling policies, but there are a far less superior product compared to a "flipper-specific policy" NREI as suggested by Richard is a common carrier, but there are a few others that tend to be a better product at a better price.  

Here is some info:A three- to four-unit property is a Single Family residential property with three to four individual dwellings.

Also, the property has a detached garage in the back of the house that could be a good ADU (Additional Dwelling Unit).