So, the house was vacant when this happened and my insurance is written as non-owner occupied (landlord's) insurance.Will insurance company deny the claim because no one was living in the house (it was listed on several websites for rent)?

I'm not denying they do provide great training and have great everything, but they also take anyone with a heartbeat (who knows you're cut out for this job, because they won't tell you).

So @John Mich's wife's application would be denied if she were in fact trying to use delayed financing, which fortunately she isn't. 

Also by Massachusetts law, while screening tenants you legally cannot discriminate against families by denying them because they have children.

Just heard that per HUD that people with a criminal record may be protected under Fair Housing Act. http://www.npr.org/2016/04/04/472929180/feds-denying

Lastly, if your request gets denied, you have a right of appeal.

FHA does allow you to do a loan even if you started work yesterday in a different line of work but your application will likely be denied because your job is seasonal during the employment verification process.

i would get with a good insurance agent and go over EXACTLY what your doing.. if your not properly insured and you had a loss they could deny coverage@Darrin Gross  insures a few hundred of our properties and i have been with him for 20 plus years.. give him a shout he is an expert at rentals and has his own and maybe even some a little like you describe.

Most average cities don't know what the hell they are doing or saying because they don't see ADUs except for 5x a year and simply deny them.My tour and research of a company called US Modular in California has the GC getting the feasibility study done for $3500 (used as a credit towards the build but is a fee if you don't move forward with build). 

If you ask them to take an assessment, you can't deny them an interview just because the results might not be what you were hoping for.