So, Fannie foreclosed on a 2005 refinance of lot 10, which was divided (same owner) in 1994 into 10a & 10b. 10a consists of a single family built in '86 and 10b consists of an additional single family built in '99. Each it's own parcel number and legal, as well as a separate address (2333 and 2335). Fannie has a legal that includes all of lot 10 and now owns both parcels. They are insisting this be reported as a single family with a guest house. This is not uncommon in my market except that they are two separate parcels. -anyone ever run into this type of situation? Any input/ advice would be much appreciated.