3-6 month Vacant dwelling policy through USLI, Foremost or CSE for the dwelling/liability and a builders risk policy for the work being performed.

Or, just buy single family dwellings and be prepaired to sell.

I'm lucky to get a $850 quote on $100,000 on dwelling and $500,000 liability.

Your easiest route is probably to get high limit dwelling fire policy with an umbrella.

A Dwelling Fire Quote.

(assume that I'd be able to get qualified for the loan and that it would be "reasonable" to be able to pay back the 40K in the time specified)after re-reading, i assume the investor would need to be a lienholder from the beginner under any circumstance...but is that even possible, or would I have to buy the house "with" the investor, which i'd rather not do...also, do not dwell upon the legal details of the arrangement, i have people that I could do this with on a verbal contract not to mention a seperate written contract that protected their investment+interest in the event I sold the property for a gain...I'm much more concerned about the actual numbers/percentages and how realistic this proposition is from an investment standpoint, not a legal one..

3 Family Dwelling is in between a homeowners policy and a commercial property policy, what you need is called a 'Dwelling Policy' the problem with a dwelling policy is that most carriers that write dwelling policies would want to have your primary policy such as either your homeowners or personal auto policy.Evergreen Insurance & Risk Management specializes in insuring commercial real estate and they can write a 3 family dwelling without the primary.

The deductible credit is basically worthless above $1000 on a small 2 unit dwelling.

(Added to NRS by 1977, 1342) NRS 118A.480 Landlord’s recovery of possession of dwelling unit.

I've dwelled on the idea of just going self-employed in a small window tinting business but am worried that would make it difficult when it comes time to sell my house and re-invest in some bigger property especially since I won't have at least 2 years of tax documents for the business.