Going through the Lowell MA website (https://www.lowellma.gov/625/Health-Permits) , I saw a rental permit ordinance.

Like natural disasters, car accidents, losing jobs, divorces, health issues, lawsuits, injuries, death...

If you do find an appraiser with experience in this area, perhaps he or she will be able to cite some useful official rulings.

While I do not have experience with the VA IRRL program, I figured it would not hurt to look through the official VA link to get more insight into the program.

Spending also slid in health care and goods (such as clothing and footwear).

I'd still check with local officials to see what's going on in your state.

You just got stuck with a ringer.Here's one almost-guaranteed solution to get rid of the roach-loving tenant:  call dept of health--they will probably declare the unit unfit for habitation, and force the tenants out. 

This prohibition applies unless the landlord, property owner, orproperty manager (a) attaches an affidavit attesting that the action is necessary to respondto a significant and immediate risk to the health, safety, or property of others created bythe resident; or (b) provides at least 60 days’ written notice of intent to (i) personallyoccupy the premises as a primary residence, or (ii) sell the property.

In order to do this, I need the city to officially consider the second unit as a second house / duplex.I am working with the city planner to try and find the permit..but I was hoping for any thoughts or ideas from the BP community on how to attack this issue.Can you get an address and meters for an illegal property?  

Put this in writing. whether its officially recorded or not, at least have it documented on something you both sign.