I had some trouble with one of the septic systems at one build and the siding looks like it will require maintenance -- like the nails are coming loose or something.

They have been building it out (i.e. not currently in use) to use as a salon suite facility in which people like hair stylists, nail technicians, etc can rent out their own private "suite" to run their business out of.

Ie going long by nailing them to post and putting them out on the interstate after they mow for the spring.

The City of Newark has placed a 4% cap on rentson single, duplex ,triplex and 4 family owner occupied homes, that were previous exempt.

Other factors in the price of insurance is whether the exterior walls are block or wood (wood costs more to insure) and whether or not the roof connections have the "third nail" installed. 

We do have an agreement that during major storms he will come mid-snow, but we did not nail down a specific time.

I have not nailed down financing and I am just getting started, but I would definitely like to build a relationship with a lender who understands and has practiced real estate investment.Let's talk! 

It makes me wary of the accuracy until they nail that down.

@Tim Gathers, Jordan pretty much hit the nail on the head.

You nailed it :-) So I have both options!!