I asked ogden city about a similar issue a few years ago on a duplex that was non-conforming, they told me it was quite common with the larger older homes, were converted to duplesx, triplex, etc. and years ago the city had no issues with it, except it was labeled non-comforming. but he did tell me , if it would burn down, you could only replace it with a sfr, since that's what its zoned for.

I just have a hard time with it considering that even fairly newer properties are trading below replacement cost in many cases.

I have no issues with doing things like replacing appliances, HVAC, roofs, etc.

Would have replaced the hardware but these particular inset overlap hinges were not to be had.

Make sure that you are looking ahead for large repair/replace items...furnace,ac,appliances,etc.

I got dinged for a roof that was to be replaced with some of the loan proceeds, but he didn't wouldn't say that a new roof added value (huh?

Do yall insure for full replacement value?

I told him that I just replaced the roof with brand new roof, not sure how that "bring" down the neighborhood.

It seems more accidental than negligent(fine line)...Commercial Clorox/kilz/paint or replace sheetrock and make sure drain clear...keep it moving..

Eventually you do have to replace big ticket items like roofs and appliances.