So I got a call from the bank on a property that was recently appraised. The property has a quarters or garage apartment over the garage. They want an addendum stating that the owner's family member lives there?! I know this isn't a huge request but it still strikes me as odd. If there is not a tennant who lives there (no rent being collected), this doesn't seem to have anything to do with market value, approaches to value, etc, therefore why should it be in the appraisal? I don't have any proof someone lives there or not, other than it looking occupied. Who knows if the owner is lying about who really lives there. Better yet who cares?? The guy at the bank said they would not make the loan if it were occupied by a tennant... since when does the bank supersede an owner's rights to property? Maybe this makes perfect sense to someone out there but I have never run across it and naturally it means doing work for no compensation. I'm done ranting though..