greg thank you for your reply,
I wish i knew how to post a picture of a drawing i did, one inspector says that if the main conductor comes into the house and then goes to a 200 amp stand alone breaker, then feeds the terminal box and then i can run feeders off the terminal box to the garage breaker box and to the apartment breaker box above the garage. all must be in pvc conduit, ok i have been doing electric work for about 20 years and have never had to do one of these. would you think a "disconnect" like a 200 amp breaker would be ok? what about bonding? do you know how to post a drawing on here? are my inspectors not that well trained to have 3 not agree?

thank you again any help is really appreciated!

jake