There are a few options that are currently on our list:- Buy another townhouse- Purchase a property in old town and renovate- Build a new home with an accessory dwelling- Purchase a newer home and have an accessory dwelling addedI work as a DBA (Database Administrator) so I like going through the details.  

http://www.amazon.com/2015-International-Residential-Two-Family-Dwellings/dp/1609834704/ref=sr_1_1?

The city passed an ordinance that said if one of these dwellings sat empty for a time (~60 mos.) that it had to be converted back to single family; but it allows those in continuous use, or those specifically built as a multi-unit, to remain.  

But that's why I like multifamily dwellings is its multiple units with ONE furnace, ONE roof, Etc. 

Speaking of insurance, the home is only insured for Dwelling and Garage Frame. 

The due on sale clause simply gives the lender the RIGHT to call the loan due upon transfer of title.The exceptions to calling the loan due in the Garn St Germain Act are below....See http://www.law.cornell.edu/uscode/text/12/1701j-3(d)Exemption of specified transfers or dispositions With respect to a real property loan secured by a lien on residential real property containing less than five dwelling units, including a lien on the stock allocated to a dwelling unit in a cooperative housing corporation, or on a residential manufactured home, a lender may not exercise its option pursuant to a due-on-sale clause upon—(1) the creation of a lien or other encumbrance subordinate to the lender’s security instrument which does not relate to a transfer of rights of occupancy in the property;(2) the creation of a purchase money security interest for household appliances;(3) a transfer by devise, descent, or operation of law on the death of a joint tenant or tenant by the entirety;(4) the granting of a leasehold interest of three years or less not containing an option to purchase;(5) a transfer to a relative resulting from the death of a borrower;(6) a transfer where the spouse or children of the borrower become an owner of the property;(7) a transfer resulting from a decree of a dissolution of marriage, legal separation agreement, or from an incidental property settlement agreement, by which the spouse of the borrower becomes an owner of the property;(8) a transfer into an inter vivos trust in which the borrower is and remains a beneficiary and which does not relate to a transfer of rights of occupancy in the property; or(9) any other transfer or disposition described in regulations prescribed by the FederalHome Loan Bank Board.

You will likely need a fire/dwelling policy.

I have found a multi-family dwelling that would be the perfect start to a sustainable career in real estate investing.Purchase price is 65000020 units 90% occupied @450 with work rents have potential to grow.My credit score is just under 700.

In, HRS Section 521-70 Landlord's remedies for absence, misuse, abandonment and failure to honor tenancy before occupancy(c) Unless otherwise provided in the rental agreement, use of the dwelling unit by the tenant for any other purpose than as the tenant's abode, or nonuse of the dwelling unit, constitutes a breach of the tenant's obligations under section 521-52 and entitles the landlord to proceed as provided in section 521-72.Here is section 521-72:HRS Section 521-72 Landlord's remedies for improper use.

For example, one of my dwellings became uninhabitable due to water damage leading to mold with the required remediation attached to that.