Please correct me if I am wrong. This is the way I see it..... The 1025 has 7 approaches to value, VPU,VPR,VPGBA,VPBdrm, SCA,GRM, and cost approach. I do not make any adj. for bedroom or bathroom count, my adj. on GLA is very minimal $20-$50 depending on the SP of the property. My rental is usually very tricky being that rentals are not usually listed in MLS, the majority are posted in the newspaper. In this paticular instance I extracted rental data from the comps. that I used as the realtors were very efficient and recorded all the information that I need on there listings. Here is the issue the UW is demanding thru the :new_2gunsfiring_v1:AMC that I fill out the SCG just like the 1004 with bedroom and bathroom adj. also wanting me to replace my rental comps. does not like that I used the rental information off of my comparable, Additionally the AMC is telling me "I sincerely hope that we can all be willing to work together ,get through this particular file, and move on to continue a mutually beneficial working relationship???? WHAT DOES THAT MEAN....Oh and did I mention that they are also threating not to pay me. I appreciate any comments, suggestions even constructive criticism. Thanks!