Don't let fear stop you from making a decision that can improve your life.

They apparently do not have time to verify permits (under what criteria units were added or that the work was even done with a permit).To the OP, I fear your property will consistently appraise low when obtaining HELOC or refinancing and that a re-appraisal will not reflect what you are seeing of homes being appraised with an agreed upon negotiated selling price.I am not saying this is the way it should work. 

Don't fear UBIT as we always say, just understand it.

Maybe I was lucky that I have started investing before information became ubiquitous on the internet.The biggest fear (being cash flow negative) is not even a real threat, because it is manageable and it will fix itself over time.

Now it’s crossed over and it’s done out of guilt compulsion and /or fear .

I feared I would mess something up and make a catestrophic mess of my investment. 

@Marc Shin, "Be fearful when others are greedy, and greedy when others are fearful." - Warren Buffet. 

It's normally the fear of being listed as a defendant in a complaint and not the actual taking of assets that leads to this discussion we are having , although not articulated well.

Now, you should not fear this, but rather just understand it.

We connected and I calmed her fears.