We have a purchase involving a full un-permitted kitchen in a basement area. We instructed the Realtor to simply remove the stove before the appraiser arrives and call the area a “really nice wet bar” with a refrigerator, lots of cabinetry, large counters, and a big gap where the stove used to be.
I am being a little facetious, but this does work. An un-permitted stove represents a “health and safety issue,” and must be removed.* Lenders allow wet bars, no matter how unconventional they might be.
* If the stove gets put back in place after close of escrow, we and the lender will never know.
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