Issues with continuous concrete foundation

[Katy Fry]

Hi,

I am looking at a small rental property, single family.  The home is very small and has a concrete foundation on the main building.  The problem is, there were a few little additions to this house that don't have a concrete foundation so mortgage brokers are balking at loaning on it unless an appraiser ok's it.  But, I'd rather not shell out the money to be told no as I'd have to pay for that.  Has anyone else dealt with this.  My concern is that if I get the funds from someone anyway (going around mortgage bankers) but can never refi when the time is right due to this issue.  I would appreciate thoughts on this situation.   Thank you.