But typically I will consider the risk at hand and look at Vacant policies that will allow for proper coverage and in some cases depending on the circumstances you can write a Fire Dwelling policy on the property .

Sorry, my ngb was just neighborhood saving me some typing.Since subdivisions are done in phases, you'll see 1st addition, second addition, etc. and Rolling Hills is most likely Rolling Hills unless there was some really significant difference, for example the last addition could be mostly duplexes and less desireable for SFDs. single family dwellings...You should call the school district and see if they have a map available that will save you from calling and verifying the school, in my area, I just know which grade school it is....but then I grew up here...LOL If you narrow comps down to a highschool that would be and your in neighborhhod comp would be the same grade school.I touched on age and depreciation, I didn't clarify.

Are you also concerned with the high number of apartment dwellings both past, present and future?

By using an extra bedroom or units in a multifamily property to rent, house hacking can turn a home that’s already owned into a property that generates rental income.Here are some common strategies people use when looking for a home to house hack:Multifamily housing where one unit is a primary residence and the remaining units are rented to tenantsSingle-family homes with multiple bedrooms that can be converted into a self-sufficient suite by installing a bathroom and kitchenetteHouses with areas easy to convert to bedrooms, such as homes with a den or playroom that can be turned into an additional bedroomHomes with the basements, attics, or garages already partially remodeled are good candidates for house hackingProperty with a large lot suitable for building an additional dwelling unit (ADU), which is a free standing dwelling similar to a guest home or in-law unitAll the best!

(A) A landlord who is a party to a rental agreement shall do all of the following:(1) Comply with the requirements of all applicable building, housing, health, and safety codes that materially affect health and safety;(2) Make all repairs and do whatever is reasonably necessary to put and keep the premises in a fit and habitable condition;(3) Keep all common areas of the premises in a safe and sanitary condition;(4) Maintain in good and safe working order and condition all electrical, plumbing, sanitary, heating, ventilating, and air conditioning fixtures and appliances, and elevators, supplied or required to be supplied by the landlord;(5) When the landlord is a party to any rental agreements that cover four or more dwelling units in the same structure, provide and maintain appropriate receptacles for the removal of ashes, garbage, rubbish, and other waste incidental to the occupancy of a dwelling unit, and arrange for their removal;(6) Supply running water, reasonable amounts of hot water, and reasonable heat at all times, except where the building that includes the dwelling unit is not required by law to be equipped for that purpose, or the dwelling unit is so constructed that heat or hot water is generated by an installation within the exclusive control of the tenant and supplied by a direct public utility connection;(7) Not abuse the right of access conferred by division (B) of section 5321.05 of the Revised Code;(8) Except in the case of emergency or if it is impracticable to do so, give the tenant reasonable notice of the landlord's intent to enter and enter only at reasonable times.

Unfortunately, they don't do insurance policy for landlord.My LV property was still insured for $288,000 dwelling last year.

The structure of the coverages / limits between a Homeowners and a Dwelling/Fire policy are very similar.

Jim RohnIn peace I will both lie down and sleep,For You alone, O Lord, make me to dwell in safety.

I won't dwell on this.

The collateral is single family houses, but this is certainly not a residential loan and no residential lender would touch it.So to say that all single family dwelling loans are residential loans is not accurate.