Need an elevation, get the GPS surveying unit out.

Closing costs will consist of broker fees, origination fees, points to lower your rate, inspection fees, survey fees, title and doc stamp fees, etc. the list can go on.

I would strongly suggest getting a survey completed on the property so you're aware of all the legal parameters of who owns what. 

Other problem with low density/low number of units to compare is lenders require a rental survey by the appraiser which has to be greater than your rental agreements.

I first had to pay for a master plot plan survey and have the structure surveyed.

.- population data was obtained from Capital District Regional Planning Commission: Community Fact Sheets- occupancy rates were obtained from: Current Population Survey/Housing Vacancy Survey, U.S.

Pretty much the only thing you didn’t order is a survey

With the property address (and a Plat of Survey) I can give you more clarity as to your specific situation; however, at this point I have a feeling you are going to need to get a building permit in order to actually permit the work to be done to add the basement unit.If the Unit is already built out (recently or has been for years) the City will likely Still require you to obtain a building permit in order to "Legalize" the unit to where you could get the Zoning Cert to show 4 units...

Hours on market, properties selling multiple times in a year for margins, the amount of mortgage surveys that some of my buddies are doing.

On the city diagrams and a new Alta Survey I had done it is listed as an easement for both properties.