Unpermitted work?

[Allende Hernandez]

Hi folks,

I am planning a light rehab for my first deal in Kissimmee, Orlando. I need to replace the A/C and garage door. 

The place also has a fully enclosed porch that is not under central a/c but it does have a wall unit. Current owner does not know whether that enclosure is permitted or not but I suspect it is not. There is nothing in the county records for it.

Speaking with a rehaber friend of mine, he strongly suggested pulling permits for the garage door and a/c to avoid issues with the financing of my potential buyer. 

Questions:

• Do banks really care for permits on things such a new A/C and garage door?
• Should I be concerned about the enclosed porch?
• Can I count some of the sq Ft the enclosed porch adds to the house as part of it when selling it?

Thank you for your help and Happy Investing!

[Chris Collins]

@Allende Hernandez Im not sure if the bank cares whether you pull an HVAC permit, but the city most likely will care quite a bit.  

I have always found its better to be honest upfront and talk to the city about whether you need a permit rather than get caught with your pants down when an inspector drives by and stops your HVAC contractor from working on the project.

You shouldnt be afraid to uncover things that need to be brought to code.  Those items are code for a reason, and could potentially save a costly problem in the future.