I am just wondering how my fellow appraisers would respond to the following. This is for a circa 1900 multi-family with substantial defective paint evident. Apparently, the realtor gave himself a crash course on FHA guidelines yesterday afternoon? "Thank you for meeting me at the property at 12:00 today. Please excuse my reaction, but honestly, I was taken aback by your position with regard to the "paint" conditions. I never anticipated the exterior would be further conditioned, especially after the areas highlighted by you were taken care of. Without specific areas noted, I find it impossible to give direction as to the areas that require attention. This might suggest the entire building needs paint, which is unacceptable for obvious reasons. Further, your comment that you thought the property was "not a good FHA property because of the exterior paint conditions" from your first visit to the property, is most disconcerting. That is not the message that was given either to my assistant or contained in your appraisal. In fact, the exterior of this property as compared to countless NH homes and those approved for FHA loans previously is rather superior. I have read the FHA guidelines as they relate to "appraisals" and to your responsibility as an FHA appraiser. The guidelines are quite clear that the "conditions" the FHA is concerned with are those that present 1)safety issues OR 2)effect the structural integrity of the building. The guidelines, in fact, state that they are NOT intended to make issue of 1)normal wear and tear or 2)minor conditions. Is this building SAFE, SOUND and SANITARY ? The areas you quickly pointed out (side door entry trim to garage) where there is evidence of chipping paint on the trim closest to the ground, I argue is normal wear and tear. This is very common on any house. Other slight paint blemishes on the trim are also rather "normal". In short, you don't get the impression upon approaching this house that there are any significant areas of need or anything that would even come close to being serious or defective. Still, please know that if you can define any "specific" and more notable areas that were NOT treated and included in your first visit to the property, I will gladly inform both buyers and sellers and I am guessing they will address immediately. I thank you for your further consideration and time" I started to type a response yesterday but decided to hold off and sleep on it. How would you all handle?