I think it's still the case here in Charleston County that you can add an accessory dwelling of up to 800 sqft as long as your lot meets certain minimum lot size requirements.  

(like 10k+ closing costs quoted from multiple banks for a simple refi)Insurance in the 300 per month range vs 85 for the same property if it were held privately.Town taxes such as water/sewer/property are billed at a higher rate.Plus more.So, what I am thinking of doing is:a: quit claiming the deed into my personal name.b: adding a million-dollar liability policy to the standard dwelling/fire coverage to protect my assets.

a proper builders risk policy is written to cover RCV or ACV if ACV is greater when construction is complete you need a standard dwelling policy.

The first to call back with numbers tells me that there is a huge surcharge added for my house being a multi-family dwelling, like 25%.The first company did not have this surcharge so I figure other might not also.

This question probably falls under their right to quiet enjoyment of their dwelling.  

The entire neighborhood is zoned as a Townhouse district but as you can see in the photos below, there is a mixture of single-family dwelling properties (regular houses) and townhouses in this neighborhood.

FIRST QUESTION- Closing Prorations: Not sure which one to chose (default is the first one)Line 120 - Real Estate taxes shall be prorated at closing based on  {The net general real estate taxes for the preceding year, or the current year if available} {Current assessment times current mill rate} {Sale price multiplied by the municipality area-wide percent of fair market value used by the assessor in the prior year, or current year if known, multiplied by current mill rate}I checked the default option which is the first one, but want to make sure it is the right choiceSECOND QUESTION- Property Condition Representations:  Very confused on this sectionLine 150-168 - Seller represents to Buyer that, as of the date Seller grants this Option, Seller has no notice or knowledge of any Defects other than those identified in Seller's disclosure report dated _______ and if applicable, Real Estate Condition Report dated ______, and, if applicable Vacant Land Disclosure Report dated _____, which was received by Buyer prior to Buyer signing this Option and which is/are made a part of this Option by reference (Complete dates or strike as applicable) and _____________________ (Insert conditions not already included in the disclosure or condition report(s)) CAUTION: If the Property includes 1-4 dwelling units, a Real Estate Condition Report containing the disclosures provided in Wis.

@Jin KimAs you can see from the comments above there is no one answer, especially when your own dwelling preferences are involved.

@Joshua D.Another Joshua D.  Well

The contract he wants me to sign describes the second house as an assessory dwelling unit and I am concerned that I won't be able to sell one of the houses when he is done.