You would need to get a certificate of occupancy, yes. You would also need permits for some unfinished work, too. You brought up the exterior needs to be finis

You would need to get a certificate of occupancy, yes. You would also need permits for some unfinished work, too. You brought up the exterior needs to be finished. Do you expect to move in with just the frame? It seems fair to me to have requirements of basic livability and safety. You could move in with things like some of the bathrooms unfinished, a kitchen unfinished if you have a kitchenette elsewhere, extra bedrooms unfinished, etc.