In response to an REO appraisal I'd done, the bank wrote back telling me to reduce my estimate/opinion of buyer/entreprenurial incentive. I was curious why I would be prodded in that direction, thinking that the bank would want as realistic a set of numbers (as is and as repaired) as it could get. I can only guess that my "as is" number took the loan underwater and is giving some loan officer or compliance person a bit if indigestion. What is baffling is that this is not coming from a production area, and the criticism is that my opinion of incentives is "too high," not that it isn't supported or realistic. Thoughts?