. (*) Note: "Multifamily housing is any rental housing having five or more dwelling units

Adding Accessory Dwelling Unit with attached garage and workshop.

By..a fridge seems like a requirement for a livable dwelling. 

I work with an independent agency that specializes in landlord, dwelling, and homeowners policies.

It's a duplex living in one side, if I just rent the whole thing out and change my insurance to a rental dwelling and move somewhere else for the time being while applying for a fha could this work in the banks eyes?

She then emailed me some documents to fill out, to further explain what we discussed on the phone, but I fear I'll it wont be enough, and once again I'll be denied.My goal here in my beginner stages is to invest in small multifamily dwelling rentals and eventually ramp up to larger condominium investments (20-50 units).I'd really prefer to get some type of traditional bank financing for my first deal, I have the steady pay, credit score and and DTI to receive it but that work history issue seems to be a killer for me.Now that I've been denied, Its really put a fire in my belly.  

Almost any closed end loan, secured by a dwelling is covered by Dodd-Frank & the Safe Act. 

The applicable laws describe properties as single family dwellings, 1-4 attached units as defined by HUD, it's irrelevant if the home is a MH or a stick built dwelling.The occupancy is to defining the loan type, being a consumer loan for those owner occupied or commercial loans being non-owner occupied.

They can often be competitive for the Dwelling Fire policies used to insure 1-4 family rentals.

We have a larger property and are considering adding a detached accessory dwelling unit to the back of the property for rental income.