This stipulation means that the only legitimate way to use one for an investment property is to live in a multi-unit dwelling .

There are a couple of markets that will cover that under a Vacant Dwelling with renovation but I don't think they will do it with Replacement Cost (RC) on the existing structure.   

You generally get a landlord fire dwelling policy which protects your property against damage and all perils, enough coverage for my personal belongings inside the property (appliances and any other furnishings), and enough liability coverage based on how much personal assets you want to protect (I cover the total value of my personal assets using an umbrella policy and a landlord policy combined).

It does appear like a dwelling of sorts...I am definitely adding a clause about outdoor clutter now though!

I've done some research on Accessory Dwelling Units as well. 

Is it an accessory dwelling with another property on the land?

This is ABSOLUTELY against federal law to deny legal gun owners the right to protect their dwelling.

I realize it's your house and your choice- but it's my dwelling and my possessions at risk if they're not reputable. 

. $100,000 value would have a 10% assessed value for owner occupied primary dwellings.

The low hanging fruit tends to be basements- so you’re looking for the components of a dwelling space, which include:- minimum 6’ 8” ceilings, 6’4” under beams and HVAC . 7’ ideally.