Refinancing a property with unpermitted addition and renovations

[Mazyar A.]

I have bought a duplex for investment 2 months ago. The current duplex was probably converted from an original single family house plus an unpermitted addition. I am doing renovations to rent both units, and will look for refinancing it with cash out. Original property was about 1300 SF, and now it is about 1750 SF.

1. A) For the refi, is the lender going to appraise it for the original SF? It should be easy for an appraiser to figure out if this is the original 1300 SF SFR or grandfathered 1750 SF duplex, but should I mention such to the appraiser?
2. B) Will the appraiser or lender ask whether the renovation is permitted?

Thanks.