Who wants to be the one to tell him?
The 6 hours you spent here last night pounding out paragraphs says otherwise.
Again, all for your own self satisfaction. There is no question as to what the answer must be, because you designed the question to provoke only one answer. If you can't answer it correctly you have one or less brain cell. This is basically the reason why I object to appraisers entertaining this post. There seem to be plenty of appraisers here willing to give you a tug, I'm not going to get in the middle of that. Based on all the information you provided, yes, a market conditions adjustment was warranted and no, the appraiser did not support their lack of an adjustment. However, it is NEVER as simple as you make it out to be. First we have what the market is doing, which can be irrational, volatile, and challenging to interpret. Second, we have how the appraiser chooses to analyze that market (methods). Third we have how an appraiser interprets and reconciles that data and comes to an opinion. Fourth, we have how that information and analysis is summarized to readers in their report. Fifth we have how that summary is interpreted by intended users of the report, which you are not. Reports are written for intended users understanding. After all these stages where things can easily get muddied, misinterpreted, miscommunicated we have you, a non-intended user, presenting your biased interpretation of the appraisers communication of an analysis. You hold the keys to what we know and what we don't. You have given us a small slice of a larger work product and based on that we are supposed to give you the OK to toss two appraisers to the state board.
It is the appraiser doing the analysis, not the borrower. The lender, reviewer, and appraiser found the report credible. You do not. It is that simple.
I said you were an "untrained, aggrieved, and biased borrower," all of which you have admitted to. Knowledge of statistics and regression does not make you an appraiser, although there are some here who might be willing to give you an honorary certification of some sort.
I'm not saying your questions are or are not legitimate. However, in my opinion, the appropriate avenue was an ROV. Sorry you didn't get the answer you wanted, but again two appraisers and the lender found the analysis credible. So we are left with that and your biased complaint. I don't think appraisers should make opinions of a peers work without reviewing the work an based solely on a biased complaint.
Yep, honestly, all I hear from your posts is smarm, entitlement, disingenuity, and contempt. Maybe I'm misreading...
I think it shows my unwillingness to be entertain bias.
)
. I'm lost now.
