If you're paying 4, the finance department has you marked as a 4 dwelling property.

I am also a new real estate investor having just purchased my first multifamily dwelling.  

http://www.census.gov/cgi-bin/sssd/naics/naicsrch 531110 is common for most residential rental property. "531110 Lessors of Residential Buildings and Dwellings"That is what we use in NC and SC and probably good for all states... 2002 NAICS2007 NAICS2012 NAICSCorresponding Index Entries 531110531110531110Apartment building rental or leasing 531110531110531110Apartment hotel rental or leasing 531110531110531110Apartment rental or leasing 531110531110531110Building, apartment, rental or leasing 531110531110531110Building, residential, rental or leasing 531110531110531110Cottage rental or leasing 531110531110531110Duplex houses (i.e., single family) rental or leasing 531110531110531110Dwelling rental or leasing 525930531110531110Equity real estate investment trusts (REITs), primarily leasing residential buildings and dwellings 531110531110531110Houses rental or leasing 531110531110531110Housing authorities operating residential buildings 531110531110531110Lessors of residential buildings and dwellings 531110531110531110Mobile (manufactured) home, on site, rental or leasing 531110531110531110Real estate rental or leasing of residential building 531110531110531110Residential building rental or leasing 531110531110531110Residential hotel rental or leasing 531110531110531110Retirement hotel rental or leasing 531110531110531110Single family house rental or leasing 531110531110531110Town house rental or leasing

The physical layout of the dwelling and the county records do not match.1.

Dave,I have a Dwelling Fire policy.

I'm not one to dwell on deals and get emotional however I also am not one two give up after the first no.

Now if you intend to move out shortly after then you must pay in full however some exceptions apply if your family size grows too big for the dwelling or if you have to relocate far away.

Comps for the area on this type of single family dwelling are at $78,000.

That frame will not be removed.A Modular is a off/site structure built at a factory but carries a different label and is under the IBC Code.These structures are all crane set with no metal frame underneath.These are heavy duty dwellings that are commercial or residential. 

And rightly so because you're dwelling an a largely irrelevant detail.You run a hotel to rent to people who want a place to sleep.If you're serious about running a business, learn about 1) business, and 2) that business.