I have a property in which they have added on to the original structure. Here's the problem. The carport has been enclosed and converted to a family room with a wood burning fireplace, they have added a 21x18 addition to the basement level of the home with another fireplace. In the original basement, they have a full kitchen. They have also added a detached garage equipped with electricity. All of these improvements were added over 25 years ago. There are no permits for the work done. They are not grandfathered in. Here in Georgia, more often then not, the lenders request permits for all work done over the original structure. 1st-Do I sketch all unpermitted improvements as GBA and give them zero weight and explain in an addendum? 2nd-Do I make note of the basement kitchen and also give it no weight? 3rd-The enclosed/converted carport has been made to where you cannot tell where the addition started or ended. There are no other records to verify this. Do you include this if you cannot verify where the original structure started/ended? A year ago, no lender or anyone would ask or question the improvements as long as they were done in a workman like manner. Now they always ask. I would probably go the way of providing the information, but giving it no value, however the carport offers a different problem. Any help would be greatly appreciated.