They, and their agents, oftentimes go online to check and see what permits were pulled, and work done.

Here’s a step-by-step approach:Consult Your Lender: Contact your lender to discuss the possibility of transferring the property to an LLC.Land Trust Setup: If the lender does not permit a direct transfer, consider setting up a land trust and transferring the property to the trust.Beneficial Interest Transfer: Transfer the beneficial interest of the land trust to the LLC.

If the proper permitting was done when you converted the double to a single you would not need them to "acknowledge" anything.Buffalo is like any city, there are good areas and bad.  

The reason I ask is in my market appraisers often do not look up permits to determine a unit is legal if the unit appears to be legal.  

Particularly in Philadelphia where there’s a ton of red tape to navigate and construction costs are disproportionately high relative to other markets.Ten years ago I could walk into a district L&I office, complete a two page application and pick up a building permit without plans for a single family renovation the next day.

Land acquisition, permitting, grading, hardscaping, wells/plumbing/septic, electricity, shared recreational amenities . ..

. - Feasibility & Permit-ability: If you know where to look you can still secure a STR permit in most cities or counties from Brookings to Astoria.

But, it does appear that all of the current uses are permitted.

There's some complicated ways around it and things may have improved, but I can tell you that I was personally threatened with being charged with a felony in 2019 for renting my property even though I had gone through the proper permitting.

We have so far removed all the stuff, gutted almost the entire house, and are currently stuck in permit jail working on the septic relocation.