I'm looking for a non owner occupied insurance carrier to cover the 5 bed room 3 bath home I am remodeling in cottonwood AZit is set up as a single family dwelling with a addition for a mother in law aptthe city will not allow me yet to be classified as a duplex but for all intensive purposes it is not sub metered sq footage 2864 with arcadia area in middle of homethe purchase was 70k owe about 46k on the property  and it sits across the street from the medical centerall new plumbing, electrical, drywall and heating/cooling unitstill under construction, will need about 30k to complete

Pueblo is actually a very inexpensive place to live so 50% is probably a good estimate, but I wanted to be conservative.   30k for renovation is way conservative especially considering the rooms have plumbing so converting 1 to a bathroom will not involve re-routing lines.I also assumed a loan that was expensive based on SROs being hard to finance.  

I suppose you could even have a VA do the outreach if they were properly trained and knew all the regulations to follow. 

Plumbing is done, electrical done, painting close to done.

VA Loans have several regulations.

Other damage includes major holes in the walls for plumbing access (shower), water damage around the doors, not so small areas of patched walls done very poorly (possible water damage 'repair'), holes in doors, window screens missing, possible water leaks from roof (?)

I wonder how regulated the field is for a person who would lend "on the side" while working a non-real estate full time job.

I do a wide range of different tasks, from drywall, painting, concrete, a bit of plumbing and so on.

If you draft a note you want to make sure that the note is compliant with any and all Federal and State Regulations.

I ran plumbing for a future summer kitchen and full bath already when I did the plumbing throughout the house.