Re: two family dwelling
I am respectfully disagreeing with some comments here.
230.40 Exception 1 - this is for services of different characteristics, such as voltage, phases, etc... .
I believe multiple occupancies means different types of occupancies such as a retail, offices and dwellings in the same structure (building). these different type of occupancies may require different types of services (I am not suggesting you are not aware of this, just mentioning it to substantiate what I am trying to say).
The NEC specifically uses the terms - single family, two family, and multifamily dwellings in Article 100(not to be confused with multiple type occupancies).
230.2 permits one service to a building, unless conditions exist as in 230.2(A) through (D). I do not see any of these conditions in the question that was asked.
There are many single family dwellings that have been converted to two family dwellings,usually without firewalls. This question specifically says there is no firewall separating the two family, so it is considered as one building (definition of building, Article 100). I am not saying that two sets of service entrance conductors cannot be installed, just that these two disconnects need to be grouped together.
Pierre