And for reference my sister is dealing with a run down house in Louisiana that has a value of about $95,000 and she shopped multiple policies with multiple insurance companies and the best rate she could get was $2500.

Quote from @Jimmy Sont: I'm looking to build around 700 sq ft 2 bed / 2 bath guest house primarily used for short to mid term rentals.

It's running a business NOT renting a house.  

We bought a new primary house in November and had a rental contract on our old house that started Jan.1 2025. 

On my lot where I live, I can have as many kitchens as I want (not sure why I would have extras) and can build a tower, but they won’t let me build an ADU for my mom unless it is connected to the main house.  

Are you focusing on corporate housing, insurance placements, traveling professionals, or something else?

Being walking distance to a SUNY campus puts you in prime position—demand is usually strong, especially in college towns where housing is at a premium.

10k Course, Sub 2 an inner city boarding house, Cost Seg, Cook Islands Trust  Naa, you forgot a step: after the sub2 and before the cost seg you need a G6

Or, as Travis mentioned, sell your primary residence and explore house hacking opportunities, which will allow you to snowball income savings to deploy into the next deal. 

The house includes high-end upgrades such as custom cabinetry, granite countertops and energy efficient appliances.