I recently did an appraisal of a home which was missing some roof shingles (in addition to the roof being old). The owner said she has scheduled to have the roof replaced (companies are still backed up from hurricane damage last year). I marked the appraisal subject to a roof inspection based on the extraodinary assumption that the condition or deficiency does not require alteration or repair, as there was no ceiling stains or obvious water intrusion, and considered the age of the roof in the estimate of effective age of the improvements. The MB says the lender will not loan unless the appraisal is marked "as-is". How would you handle this?