What qualifies as a "Kitchen" for an Appraisal. Massachusetts.

[John D.]

I have 200+ in equity in the property but I'm having issues doing a cash out refi OR HELOC because when I talk to any lenders they are going to balk at the zoning and taxes/insurance all say it's two family but there is only one kitchen. I keep it zoned as a 2 (2 gas and electric meters) so I can convert it back some day when the kids are out of the house and it's easier to go one way than the other.

I was thinking of putting in a "temporary" kitchen for the purpose of the appraisal but not sure what exactly I need to have in there.. I have the sink, is a mini fridge sufficent.. do I need a full size fridge, stove/oven ??

I'm about 10 miles north of Boston.. Any advice is MUCH appreciated.

Tks JD