Any help or advice would be appreciated. 

Quote from @Mohsin Ali: Hi all, I'm joining this conversation late. 

The way I interpret the following policy clause is that so long as the property is defined as other than "VACANT" which is the case when the property is being "constructed, altered or repaired", the 30-day time period and vacant status does not apply in this instance: We do not insure any loss at your premises if your dwelling has been vacant for more than 30 consecutive days immediately before the loss and the declaration page indicates an occupancy other than “VACANT“.

What will help you sleep better at night?

I am guessing only you would be signing the 18 month lease and this individual who is there to "help" won't be voluntarily offering their signature as a co-signer?

Quote from @Jaren Taylor: Quote from @Chris Mason: If you have the ability to market and raise money, then you secure the down payment, and do the normal commercial mortgage process. 

I will post it on this thread.

Quote from @Emily Shin: Hello, I am new to this community and to real estate investing.

Quote from @Leah Miller: Hey @Kamar G., sounds like this was in Los Angeles County.Would you mind sharing who you used to do the Lot Split?

I also helped my mother get 2 rentals to help supplement her retirement, mistake #1b.