I am currently in the process of refinancing my house after I built 1200 sq. ft detached Adu 3bed/2baths (brings in $4,000/mo in rental income) permitted and recv'd CofO. The appraiser said ADUs are not included in Gross Living Area. As a result, the appraised value of my home is now significantly lower than what we expected. Do you have some experience with an appraiser regarding ADUs?

Thank you so much in advance for your time!!!