Clay soil across much of Saskatoon expands and contracts with moisture, and that movement is what causes stepped cracking in a foundation or a basement floor that has heaved, which reads very differently to an inspector than a hairline crack from normal settling. Grading and downspout placement around the foundation often explain why one house on a street has problems and its twin next door does not.
A secondary suite or finished basement is only worth what its permit says it is worth, and the City of Saskatoon inspects for egress window size, ceiling height and fire separation before signing off, so a $400 to $600 inspection that flags a missing permit is doing you a favour, not creating a problem.
None of these issues show up in a set of listing photos, which is exactly why a proper inspection matters more here than a generic checklist built for a different climate. Get your hand-reviewed valuation from Joel Dyck.