No names, but big name lender via an AMC that everyone knows but does not hate at this point. 1976 manufactured home with no labels and plates but a county foundation document listing the data label and serial numbers. The issue is over the roof. The unit does not have the original riveted metal roof with membrane cover. It has a newer roofing structure built on top and comp shingle roofing. California law requires plan approval and permits for alterations to a manufactured home and there are no permits for this new roof. I've seen these roof types before and have never heard of any major problem and I figure the roof will surely last longer than the remaining economic life of an average quality, 30+ year old MH. But because of the law I have to use an EA that the roof will meet the engineering requirements and could pass an inspection. So I used the CB4 and stated the EA. The AMC is going crazy because they say the lender MUST have an "as is" appraisal even when an EA is used. I sent the AMC guy who's hounding me a long email which included: The Fannie Mae FAQ addressing when and how to prepare the report with possible but unknown adverse conditions, a cut and paste of the health and safety code concerning alterations and the verbiage about modifications and liability from NADA. No good. He states USPAP allows EA's so I should just make the EA and check the "As Is" box on the form. I'm being pressured (they'll have to use another appraiser now and in the future per the rep). This is a stupid form thing. If there were no checkboxes I would state that "my opinion of value is XXXX subject to any stated HC's or EA's" which is the same as checking the CB4 box. The ony problem is that if the lender wants to send this loan off to the corn field later they have to get an inspection.