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My wife and I are in the process of buying a 2-family house in Brooklyn right now. We signed a contract and were approved on our mortgage, until a contingency was placed on it by the bank. Like many 2 or 3-family homes in Brooklyn, there is an unregistered basement apartment. The bank is now requiring us to get a C of O for the basement, or remove the kitchen of that apartment, neither of which are attractive options. What I’d like to know is if this is a common problem that people run in to when purchasing, or if my bank is just being very picky. If most banks approve mortgages despite an additional unit, then I will just bail on my bank and work with another one. Any thoughts are appreciated.