As women play ever-larger roles in family real estate decisions, developers from Florida to Florence are seriously rethinking the luxury second-home market. For women buying into this market, it takes more than a celebrity-designed golf course and a gourmet kitchen to entice them to invest in an expensive second home, experts say. It’s not the structure of the house as much as the transformation from house to home that interests women, when there are people sitting in front of a fireplace or lying on the floor playing a board game.