This room is used solely as a hotel, motel, inn, or similar establishment and isn’t a dwelling unit." 

Brick dwellings have a higher rebuild cost which can drive up the policy rate but they also get a bigger discount for masonry construction.

Not sure if this is the right spot to post but here goes.Just went under contract on a sfr with a non attached Accessory Dwelling Unit 1 bedroom cottage in the very back of property.

dwelling: $100,000?

With that said, I think the win-win will be to provide repair loans in most cases, and for anyone who doesn't want to live in their dwelling, maybe a sub-to.

I wold like to find one duplex or triplex in my location and live in one part of the dwelling.

One con of the suburbs is that they also don't allow non-conforming dwelling units since they have City compliance inspections, while Chicago does not. 

(It will take another year or so before I can show a solid rental history on my first rental purchased last year; until then I won't qualify for another mortgage).I started construction on an accessory dwelling unit in my back yard, a carriage house (aka a large shed) that will become a not-so-tiny house.

A: NC SAFE applies to “residential mortgage loans.†These are loans made or represented to be made to a natural person or persons primarily for personal, household or family purposes, and secured by a mortgage or other security interest on a dwelling or residential real estate located in North Carolina.

We call it ADU here (accessory dwelling unit).