Completed an appraisal yesterday of a banked owned property. It needed all new floorcoverings, painting, new furnace & water heater, and the kitchen only had two wall cabinets and the base cabinets were moldy and broken. The bathroom had cracked fixtures and tiles. Basically then, it needed a new kitchen and bathroom. The loan officer knew this was a bank owned property. I assumed that he was going to place the loan with a company that accepted this type of property. He calls today and is upset because he thinks the subject could be deemed in Average condition. I had supplied 20 photos in the report. I just can't believe some people.