The main issue here is the insurance problem

@Justin CollierNever had issues like this

if you're only borrowing it for 2 weeks in ONE calendar year, i don't see why it would be an issue?

With the Midwest there are also winter issues and hail damage from thunderstorms that we don't deal with in California.

What's the issue with taking losses on a Single Family Home? 

If so, that could cause issues on the back end - not a lot of lenders will let the wholesaler use their own title company due to hiding issues, etc.

Anode rods last 2 to 3 years not months so obviously you have other issues. https://www.amazon.com/Magnesium-Anode-Flexible-Water-Heater...

Hard to say without all the numbers, but I will say this not an unusual set up for the area....and also we have very few duplexes here in Jax, so if the numbers work I am not seeing an issue with the ADU.

Like I do for my practice, she works with clients remotely, so distance is not an issue.

There were some issues during inspection we were able to use in negotiations.