Will my house appraise as SFH with inlaw or duplex?How to makeSFH

[Zachary P.]

Hi all,

I have an appraisal for a refinance for one of my properties coming up.  The basement has been converted into an in law unit complete with its own separate: entrance, kitchen, heating, living room and 2 bedrooms.  The house only has one set of utility meters for the entire property and lot is zoned as multi family.  The in law unit is below grade and does currently have tenants occupying the property, I occupy the upstairs.  There is no interior access between the 2 units.

Do you think the appraiser will assess this as a two unit property? If so how do I make it a SFH?

I have read that you just have to take out the appliances in the kitchen.  Others mentioned to stack a bunch of boxes in the kitchen to make it inaccessible to the appraiser.  I was thinking of purchasing an appraisal prior to my bank as a test run.

I would love to hear all of your ideas.  Thank you so much for your help.

Zach