This is illogical and would be rejected by any lending client. Appraisers can not just add an HC to a URAR form and let it float, an HC must be made checkbox subject to. So are you going to impose your will on the owners and make it subject to them "merging" the 2 lots as one (whatever that would legally entail ).
Then you assume the buyers in market want to encumber an additional lot for privacy, what if that is not the case and they want the additional lot to hold for future appreciation?
In any event, the HC can not be done unless it is subject to "being merged" and what that legally means who knows, how does an appraiser force a legal "merging" of two separate platted lots? A HC that they are "merged" without making it subject to that happening would be rejected and is not possible on a URAR form, which is the only form fannie and UW and client needs.
