The reality is the opposite - if it's not in writing then the PMC doesn't have to provide the service or can charge extra for it!

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Since the properties are in New York you have a few extra steps you need to do to keep all of your funds out of NYs hands at closing.Here's an interesting BP thread on the South Carolina property tax issue you mentioned. https://www.biggerpockets.com/forums/725/topics/604427-south.... 

Especially as you two plan to start your lives together, you’ll likely want that extra privacy.

I do value her as a cleaner and she definitely goes the extra mile and are the eyes and ears on the ground for me.

NOTE: we charge extra for this.4) What about a floor plan, so prospective tenants can get an idea where their furniture may fit?

Some of this may have been grandfathered in, but now need updating.I would pay the extra say $50,000 to have an Engineer firm go over.

You either have to earn extra money via sweat equity (working as your own PM or do the renovation work), or you have to be ok with a negative cash flow.  

This extra road frontage now also qualifies my property to be able to be legally converted into a triplex from a duplex.

They beat my existing premium by over 30% without sacrificing coverage (I did choose a slightly higher deductible though to get some extra savings here).