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You have really answered your own question right here. If you don't particularly want it why would you pay more for it? Take that thought one step removed .. A potential purchaser or renter will most likely have the same opinion .. so would they pay more for it? Unless you find a...

No it is highly unlikley it will add any more to value than cost. It will be lucky to add $10k to the value, but if you go for a refinace during construction the valuer may well add the cost to the on completion value. If you are going to be requiring more money from the bank, get the...