BRRRR, emphasis on the R(ehab)

[Nathan Grubb]

I am currently going through the BRRRR process for a 2-flat. I live in the lower unit.

I have about 7 years experience working for remodeling companies and feel pretty confident in my rehab work, but I have a refinancing question.

If I add a second bathroom to the lower unit, I would like to just do it all myself. But that might mean doing it without a permit.

When I go to refinance, are banks going to pull those kinds of records when counting an added bathroom?