Will appraisal categorize Home as single or multi? Basement conv.

[Leo Watts]

hi all,

Quick question.

I have a home under contract. It’s four beds with a semi converted basement (it has a sad looking kitchen). The city zoning has the home listed as single family, but the previous owner added in a second meter for the basement it looks like.

It would be advantageous for me to have it appraised and classified as single family since it will me a lower down payment, but the lender has indicated he thinks the appraiser will say it’s multi since the basement has a kitchen.

I’m unfamiliar with the specifics on this situation. Anyone have any insight?