One easy way to check is to ask an appraiser how the various types of loans want this type of layout to be valued.
The conforming type of appraisal (Fannie, freddie) might be different from an FHA or VA appraisal. I remember at one time FHA would not consider this to be a 3 bedroom, but would call it 2 bedroom with den. But that was 15 years ago.
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Broker-Owner Thirteen Years REO Experience
GRI,CRS,CRB,e-Pro
Some days I feel like the bug, other days I feel like the windshield