I manage over 100 STR and MTR properties (STR is not allowed currently for ADU's, but MTR is, and great way to maximize the income, unless you're using it for family or office purposes.)I recently constructed an ADU in the backyard of a property within the city from a detached garage.

This is close to rental amounts as what I posted does include a utility allowance.

Bigger Pockets doesn't allow me getting deeper unless you connect by clicking on my name and then Connect.

Are you saying that an entity cannot be added to the insurance (along with original owner) but an individual can? 

Is there a percentage that I am only allowed to raise rents year to year?

A French Drain system with a catch basin and pump should work if the grading will not allow natural drainage.

There are apartments that allow you a shorter stay than a year, though the apartment prices are a bit high, I don't think that you will waste your money renting so that you get familiar where you want to be.

In a different market, there may be lots of demand for individual rooms and little demand for the whole home, making rent by room the better option.

It also doesn't allow to scale faster, so its not a strategy for everyone.

No, the bank own's it and allows you to use it.