Issues renting out non-confirming units

[Ron S.]

I've been looking at some small multi-family properties lately, mainly two and three-flats.  I found one property that's coded as a single family house but it has three distinct living areas (3/1, 2/1, 2/1) with three kitchens, living rooms, bathrooms.

I've seen some posts in other cities that if it's owner occupied, you can generally rent out other area(s) without a problem, but you can't rent more than one unit if you move out.  Does the same apply to Chicago?  Any other cons to be aware of (ex. not separate mailing addresses, potential issues with insurance, etc)?

If it's not feasible to rent more than one unit, has anyone tried to rezone as multi-family in Chicago?  I've anecdotally heard it's difficult or impossible but don't know anyone that's tried or heard directly from the city.

[Account Closed]

You can request a zoning certificate from the Department of Planning & Development (sometimes referred to as the "zoning department", even though zoning is one of many things they're responsible for managing). The certificate is $125 and can be later used as proof (when applying for permits, or when selling) that there are 3 dwelling units. 

What do you mean by "coded as a single family house"?

Even if a multi-unit is in a single-family zoning district, the multi-unit was most likely built legally before the current single-family zoning district was applied. PM me and I can confidentially review the location for you.