Single Family Home with 2 Kitchens - Classify as SFH not MF?

[Bryan K.]

Hi all,

I'm interested in purchasing a SFH in Chicago that has previously been used as a duplex and there are previously listings showing as much. The whole place has two kitchens. I do not intend to use it at a duplex, but my loan officer has told me that it will probably need to be classified as a duplex, thus requiring me to put 15 percent down (as opposed to 3% down if it was a SFH). Does anyone have any suggestions for how to make sure it doesn't appraise as a multi-family? Any appraisers in this area you can recommend?

Thanks,

Bryan