I had an order for one purchase of a house and a bungalow. Turned out that each was on a separate parcel, althought they were being sold together. The assessor has two property cards, two separate parcel #'s; the building department considers them to be two separate lots that can each be legally transferred as single family dwellings. I did two appraisals, one of each dwelling. One is a bungalow of 500 SF +/-. My client /lender is not able to find a bank that will take the loan; they will not lend on a house of less than 700 SF. THe lender has asked me to combine the two parcels onto one SF appraisal and considered the smaller bungalow as an accessory dwelling. The lender said that the "last appraiser did this for the current owner." I'm 99.9% sure that I cannot do this, but before I say no, I need advice from the experts. Thanks for your help.