Legally converted the home to a duplex from a single family with a potentially illegal accessory dwelling unit.

Perhaps even mention it in your Instant Book confirmation message. 

Most companies will use the "Dwelling Fire" Policy for rented 1-4 family dwellings. 

Good way to earn instant equity is to renovate it. 

Generally speaking you might need neighborhood approval (I see it with lot splits) and neighbors don't want the congestion.I would explore if Georgia allows Accessory Dwelling Units.

The Dower right is a married person's rights to occupy the dwelling place (the “homestead”) or use household contents in that place which are owned in the name of their spouse.

Also it seems like they all instantly want/need/have to run a credit report, which I'm not ready to do yet, since it'll be a negative tick on my credit.  

The super short answer is travel trailers have never been legal dwelling units, they aren't governed by HUD code for manufactured factory built housing (e.g. mobile homes) which are legal dwelling units.

I would assume it would be lower as expenses often paid for by a landlord on MFH such as landscape upkeep, sidewalks, water/sewer/garbage, etc are transferred directly to the renter in a single family dwelling??

Heidi,Generally, on a personal insurance form (probably the Dwelling Fire form) most insurance companies will do one property only.