3/28    I bought a piece of unoccupied property and got it appraised at X,
        which was slightly above the listed price. Now that I moved in
        and doing a refi, the loan officer says I need to do an
        "owner occupied" appraisal. How is this going to affect my tax
        and other things? If tax and fees will be based on it, is it
        possible to make my place a total mess and hope to devaluate the
        appraisal? Is there any advantage of getting it appraised
        higher? I understand how silly this question sounds. Need advice.
        \_ Appraisal does not change your property tax.
        \_ It would not be a good idea to make the place a dump as
           this would probably give the bank an action for waste
           against you. If you really make a terrible mess of the
           place, they might even be able to call in your loan and
           foreclose.