Permit status decides almost everything. A duplex or secondary suite with a City of Saskatoon building permit lets a lender count the rental income toward the property's value, while an unpermitted second or third unit, even if it is well finished, often gets valued closer to a single-family home because that income cannot be underwritten.
In Sutherland, an established Saskatoon neighbourhood with a mix of older housing stock, that permit question comes up often enough that a buyer's own home inspection, typically $400 to $600, should specifically confirm egress, fire separation and a legal second entrance rather than take a listing's word for it.
Pricing a multi-unit Sutherland property correctly means valuing the real income the permits support, not the income the layout suggests. Get your hand-reviewed valuation from Joel Dyck.