The ordinance may require a permit to be obtained for the creation of a junior accessory dwelling unit, and shall do all of the following:(1) Limit the number of junior accessory dwelling units to one per residential lot zoned for single-family residences with a single-family residence built, or proposed to be built, on the lot.(2) Require owner-occupancy in the single-family residence in which the junior accessory dwelling unit will be permitted.

You can buy instant 3M LeadCheck swabs at the following retailers if it's a big concern:Retail Stores:ABC Supply, ACE, Aramsco, Do it Best, Home Depot, Lowe's, MBS, Sherwin-Williams, WalmartOnline Partners: Amazon.com, Check4Lead.com, Home Depot If it has lead, you can get estimates on remediation from a lead-certified company for the problem areas.

Personally, I've kicked around the idea myself, but for me personally I'd want a deal sufficiently good that I have instant equity (which sounds like you are doing) to sell at profit if I chose to and a place that would still cash flow as a long term rental to create multiple exit strategies.A few other options to throw out there ...

Asia, it’s pretty black and white.Owner occupied units need a Homeowners PolicyNon-owner occuied properties/units need some derivative of a landlord policy/rental dwelling policyThe bank needs thier loan to be secured with Property coverage.  

If all 3 units will be rented our, you will need a Landlord policy, some companies will refer to it as a Rental Dwelling.

Just keep in mind, anything above 5 acres may be difficult to finance, especially if there's no existing dwelling unit on the property/land.

Ideally, even get a property with an extended backyard where I could build a detached accessory dwelling unit (DADU) on the same property.

For that, you will need a Dwelling Fire policy (some companies call that a Landlord policy). 

And you can always sell as an already Established and fully Functioning investment property with Instant Revenue.

That could be a problem with all the re-quoting that agents are needing to do with companies pulling out of FL.That being said, Flood Insurance in FL does not seem to be as adversely impacted at the Homeowners/Dwelling Fire market.