Question about splitting two SFR on one lot
We recently purchased a property that has two single family residences on one large lot. The renters are in place and things are going well, getting 700 for one and 500 for the other. I am looking to purchase another property and want to finance this property as I have a good amount a equity since I got a great deal. I am looking into splitting the two houses into individual units. There would be more flexibility and I could finance each and possibly sell separately down the road. The lender I talked to told me it would be much easier to get an appraisal because there are no comps in the area with two houses. Also spoke to the CPA and she said it would give some flexibility tax-wise. The drawback is cost, 5K for the split and then more property tax and double the loan fees. I am guessing that the larger house is worth 80K and smaller is worth 60-70K after the split. I don't really know the value if they remain one property since there are no comps. What do you guys think? Worth the split or should I try and find a lender that will finance as is?
Thanks for helping a newbie!