Can you BRRRR with an unpermitted ADU? Will the appraiser call it

[Joe Vahedi]

Can you BRRRR with an unpermitted ADU? Will the appraiser call it out? What if the contractors did a great job? Is this a gray area? I have a client who wants a home, its been flipped, there is a 1200 SF adu, its one room, with bathroom, wants to build out walls and kitchen without permits... and then wants to BRRRR. Its for a long term rental. I am telling him BRRRR wont work most likely since it is not on the tax records as 2 SFR on the same lot. Also a detached garage is there with 1 bedroom that we could convert into 3rd ADU.. this is in San Diego county