4 legal units and 1 non conforming unit
I want to purchase a property with residential mortgage which allows up to 4 units. A property advertised 4 legal units and 1 non conforming unit. It is zoned R-3 in Chicago but I *believe* was grandfathered in as 4 legal units. The seller has transformed 2 units in 1 larger units to live in and added a non conforming unit in the basement. I believe it is all without permits. Therefore, 1 larger units, 2 smaller units, and 1 non conforming unit. Since seller did all of these himself without permits, would it consider illegal in the 2 units I described? I’m not sure what this would appraise as and I’m afraid I will go through the process and end up not getting the residential loan. Have you experienced anything similar? What would be your advice? Thanks in advance!