This is a piece that we have not heard anything about. 

You are in the right place, however, I would caution you wanting to purchase a piece of real estate without professional help.

If it's a smaller and older garage, I may consider self insuring for that piece and like Rob said, many dwelling fire policies do include a limit of insurance for other structures which is a percentage of the primary dwelling coverage. 

Hello everyone,Looking for suggestions and ideas on where to find the best avenue to start, I have been in RE since the 80's and boy has it changed - however I want to give it another shot and want to do a small SFR development of approx. 8 homes - found a great piece of property and want to develop a small development of estate homes with private drives - larger homes with 1/2 - 3/4 acre per parcel - needs roads and grading - houses in the area sale for 500k and up with 1/4 lots - but they are average track construction homes - whats the best way (private or commercial) money ??

I would like to get this under contract as soon as possible, however my agent is not able to write the contract because she is with Keller Williams and they would only allow her to write it if they got a piece of the pie. 

You only gave us 1 piece of the puzzle.

Then they throw a character piece eg drop down designed lamp over the island.    

I believe this was about $700 a piece.

I think the best piece of advice is to start building your credibility as an eager novice.

One investor gave a tip on a useful and often overlooked piece of marketing: Magnets.