Yeah it seems simple, right? Karen covered the basic requirements that most areas have:
- Has a closet
- Has a window
- Has a door to a hall
It's also required for them to have Heat (radiator, air vent, etc). Usually they must be a certain min square feet, and have a certain minimum ceiling height.
Assuming that the appraiser did his job, came by your house, the lack of a closet is a common thing that downgrades a BR but is easy to fix.
What happened to me was even more bizarre. I was buying a 3-unit multi-family with 4 floors. One unit is a 2-level unit, and both have kitchens but they are inter-connected and so just one unit. So ... this genius appraiser decided that the extra kitchen made them separate and appraised it as a 4 unit building, regardless of the fact that the TOWN lists it as a 3-family (which can't be changed without a variance). Basically, he wasn't willing to change his assessment to avoid looking like an idiot and stuck to his guns. So, the seller spent $800 to rip out one of the kitchens to make it work for underwriting. Fun, eh?... more