I got a reply from listing agent in CA "The home is zoned R1 but currently set up as a duplex with 2 full kitchens. There may be a garage conversion with no permits, can not verify with the county. Please talk with your lender to see if this is an lender/appraisal issue."
Can somebody knows about the relation between no permit with the lender/appraisal explain some? I don't want send an appraisal and then found out they won't be suitable for lending.
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回答: 由 于 车库改房间，地下室装修成房间，加盖SUNROOM等等都需要先申请permit，然后建，然后county审查通过，如果不走这些程序，改建或是扩建就是illegal，illigal的房子银行不敢贷款。