Vacancy maybe high, but this is something you should confirm with your market.  

Once the family members with disabilities or who are sixty-two (62) years of age or older, or any other family member, no longer reside(s) in the premises on a permanent basis, or the title is transferred, the property owner shall notify the zoning official in writing, and the accessory family dwelling unit shall no longer be permitted, unless there is a subsequent, valid application.As you can see, it's really all up to the zoning department of that city or town, and my guess is that if your proposed use doesn't meet the above, they will not approve it.It doesn't really sound like they're talking about an entirely separate structure, so if that's true then the question about getting bank financing for such construction would be moot, but it's possible I'm reading the above wrong.As far as whether you can build on the empty small lot in general, you'd want to look up the zone of the lot on the assessor page and then look up the Permitted Uses section of the Cranston zoning ordinance to see what can be built there and Zoning Districts Designated to see if your lot meets the minimum lot size to build something.

Construction, design, development, etc).

I've been assigned a loan officer who confirms it to be valid.Trust but verify, they say.

@Rob Shah to echo what @Mark Ainley said, there just aren't many areas where the buildings are designed to be rentals.

The whole foundation system is modular and installs in 1 day.We do meet state and city requirements and have approvals in Sonoma, Marin, and a few other counties as well as working to get approval for a primary dwelling in Mill Valley and Fairfax.The structure can be disassembled and moved easily because of how it's designed but it's far too big to be considered "mobile". 

If the springs somehow busted, the locking mechanism on the chain and the gears of the motor would hold the door in place - the springs ease the weight, they don't hold it, the lock is designed to hold the weight without the springs.

Also I recap any important conversations and send it via email to confirm/clarify our phone conversation.

Finally, I'd be sure to confirm who you're working with day-to-day, whether it's who you interview with or a member of their team. 

/Tarp/etc.  1) the HOA manager should send the HOA's insurance adjuster to confirm the damage was caused by an insurable event.2) They should also send a restoration company to do an estimate of the repair cost to confirm it is above the deductible.