HELP- financing needed for two attached SFHs

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Hello BP,

I quickly need your help and I'd love your advice on how to proceed with the pickle I'm in. Back in Nov '19 I signed a contract to purchase what I thought was a duplex. I'm planning on living in one side and renting the other. The contract was written by the builder's attorney who is also handling the title work and has both address' listed on the contract. Closing is June 30 and my lender JUST let me know that I need two separate contracts to move forward with them since it turns out these are two attached SF homes (not a duplex), with two lots, two parcel numbers, etc. My problem is that when I asked for two new separate agreements, the builder told me the price would increase somewhat significantly since he would have twice the costs to pay at closing. I guess this makes sense.. anyways, I need advice on how to obtain financing on the existing contract I have in place. Is this even possible based on fannie mae's guidelines? From my understanding, it's a specific underwriter's policy to require two contracts in this situation and it's not the law so to speak. I'd appreciate any and all feedback and let me know if I need to clarify further on any of the above. Big thanks in advance!!

Scott