If this a 1,000 sf dwelling?

I'd like to really drill in on multifamily dwellings, like duplexes or triplexes.

Does you city council/county offer a flat rate for multi-dwelling apartments?

They may even be able to get more dwelling units per acre.  

There is a gal across the street from my current flip in Denver that just built a new "accessory dwelling unit."

They are cheap and if you only need a pay out for a fire on your dwelling policy, that'll do the trick.Do you know anybody local to talk to?

Bedfordwww.bedfordoh.govInterior POS: YesExterior POS: YesInspection Fee: Varies from $50 for single-family dwelling plus $25 for each additional rental unit; Commercial buildings are minimum of $75 and maximum of $200 Re-inspection Fee: Same as original FeesEscrow: An amount not less than $100 and equal to 150% of the estimated cost of repairs for outstanding violations.Estimate must be provided by a company registered with the City of Bedford.Bedford Heightswww.bedfordheights.govInterior POS: YesExterior POS: YesInspection Fee: $125.Re-inspection Fee: N/ABereawww.bereaohio.govInterior POS: NoExterior POS: YesInspection Fee: $75Re-inspection Fee: $75.Escrow: At the request of the owner of the property or his agent, the City may issue a letter or other document signed and dated by a Building Department Official stating that some, but not all, of the violations listed on a specific Certificate of Exterior Inspection have been completed to the City

R-2 Two-Family Dwelling Residential District.

The City will provide solid waste collection service to all dwelling units including: *11.

Louis City, like many cities, states that "No more that three unrelated persons may live in the same dwelling."