You can only play games for so long.Chances are your next door neighbor is an IRS agent and turns you in when your tenants blocks their drive or some other random event disturbing your IRS neighbor.ADU catches fire and your insurance won't cover you, because it was an illegal and unpermitted structure.The city inspector told the last guy not to build or rent it, and is now pissed and wants to make an example of you and just red tags the whole property and no one can occupy for the next 1-2-3 years while you wait for a hearing.Then when you get the hearing, "staff" recommends you tear the whole structure down, and if you still want an ADU, you can apply for a permit and rebuild it.Your tenant quits paying rent and won't move out and you can't evict them, because there is no valid lease and they're just your "roommate".Probably a dozen other bad things can happen to you when you do stuff like this. 

I'm light on capital so paying a mentor isn't an option, but happy to split revenue (pay as I learn).I don't currently own in Florida, but from what I've read, the challenge is in even getting insurance.

Despite the fact that my decks were up to code when I bought them I have had my insurance company do inspections and make me install lag bolts on many things that are in my opinion fine.

For a 4 bed you are likely looking for insurance placements for a family or temporary relocation.

This is precisely why everyone should insist on title insurance.

All of these areas have relatively stable rent prices and notable appreciation rates

Do you think First Insurance will, insure in a high fire risk locale? 

Can anyone provide insight on the average cost of insurance for Airbnbs with pools in the Boston area?

1) As an agent put 3 more under contract this month for going into 20252) Cut internet and car insurance bill down3) Start prepping for tax time, organize expenses yay lol

From what i understand, the space heaters are a big fire hazzard. does your insurance allow them?