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If client/lender supplied the sketch, then scope of work is relying on what was given as accurate.
If sketch gross area matches near assessor's records then verification not necessary. Right?

Can you cite the source for this assertion?

You've mentioned Cubi Casa on one of your posts as a recall stating that it was typical of what you were seeing coming in from third parties. You said absolutely nothing about its acceptability. So, by your silence, IMHO, you are condoning its use. Yes.

It was a misleading statement.

IF you are not supposed to approve or disapprove third party products, I would recommend you don't even talk about them - as you are likely to mislead people one way or another. And then faced with this allegation - all you can do is retort that there is nothing more you are allowed say. DAMAGE DONE.
 
Seems like 1004 Desktop is making things more complicated. Just stick with actual measuring for best result.
 
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I am truly getting confused. So what floor plans will be acceptable for the 1004 desktop?

If you get a floorplan done by a licensed appraiser, licensed architect or licensed engineer who says that he/she did it per ANSI, that would be sufficient. You will have to mention them as contributors in your report. You had better get their permission or equivalent.
 
Many times when I get another's appraiser's sketch, I measure it and most of the time not exact to nearest half foot (my standard) and I have to remeasure the property.
If accurate to nearest half foot then I give more credibility to the report I have on hard.
The point is that most sketches out there are not measured to ANSI standards and we're suppose to rely on these prior sketches?
I don't feel good about relying on someone's else sketch especially if there's an ADU involved.
 
You've mentioned Cubi Casa on one of your posts as a recall stating that it was typical of what you were seeing coming in from third parties. You said absolutely nothing about its acceptability. So, by your silence, IMHO, you are condoning its use. Yes.

It was a misleading statement.

IF you are not supposed to approve or disapprove third party products, I would recommend you don't even talk about them - as you are likely to mislead people one way or another. And then faced with this allegation - all you can do is retort that there is nothing more you are allowed say. DAMAGE DONE.
So, by that deflection may we infer that you have no actual data or analysis to support your assertion about over estimation? It was you that made the claim, not me. I said nothing either way.
 
So, by that deflection may we infer that you have no actual data or analysis to support your assertion about over estimation? It was you that made the claim, not me. I said nothing either way.

I was sent a plan by one of the forum members, whose name I can't mention that had the outside and inside dimensions and floorplan generated by his Cubi Casa Scan of a home that was rather simple, at I think 1200 sf. He told me at first that as far as he could see the numbers looked good. He sent it through private email on this forum and so I assume the plan is to be kept confidential. But, look I am pretty good at studying CAD floor plans - I do it all the time. And the first thing is to reconcile interior and exterior measurements. You find two external walls without anything between them and subtract the interior measurement from the exterior and divide by two to get the exterior wall thickness. They used 9". The once you have that find an area where there is only one interior wall between two exterior walls. Add the two interior room distances, plus two times the exterior wall thickness and subtract from the exterior wall dimension to get the interior wall dimension. It was exactly 8". So, they used 9" for the exterior wall dimension and 8" for the interior wall dimension. This is in the deep south in a hot state. Here in California, in all my years here, I have never come across an interior wall that was anywhere near 8" unless it was a double wall in the kitchen or bathroom. I asked him if his interior wall was really 8" and the next day replied that his laser meter was not set correctly - something about it rounding to the inch. So, ..., in other words, in this particular case, we can assume it was off.

I had a demo by Cubi Casa and asked all of the relevant question:

1. How do you calculate exterior wall thickness? To which the rep said they use their in-depth research to determine wall thickness, which he said was 8-10 inches. Of course this is nonsense. Most houses around the SF Bay Area have exterior walls that are 5-6.5 inches and single interior walls 4.5 inches (at most).

2. How in the hell they get 8" for interior wall thickness between the living room and a bedroom through their so-called "in-depth" research is beyond me - if that is a general rule. Of course this could be a concrete block house, with concrete block interior walls. But the guy who sent me the floor plan never did get back with his measurements. I get the impression this was a house he already inspected and couldn't get back into. Hmmm.

3. Are you ANSI compliant? To which the rep never stated yes or no. Instead he went into great lengths to tell me that FNMA and "all of the organizations" approve their product and that it has been use in thousands of appraisals. Their webiste says only that they "align" with ANSI. - WTF does that mean? In case that is a misleading statement.

You and your organization, which you represent, should, to put it mildly apply your teams of Ph.D.s the task of actually testing this product in complex homes.


I have seen other appraisers using Cubi Casa and the homeowner remarking how fantastic it was, So, I would assume it is indeed used now by thousands of lazy and incompetent appraisers. What else could anyone expect?

Why do you think the public thinks appraisers are a joke?

Do you understand LIDAR? Drone operators who do extensive mapping are very familiar with its weaknesses. Skydio, bless that company, often looses its way when it goes under bridges because it is too dark. Reflections cause problems.

This is not a Cubi Casa problem per se, but a LIDAR softare and LIDAR hardware problem. The Phone 12 Pro Max ( or 2020+ Ipad Pro) does have relatively good LIDAR. However, it doesn't work very good on the outside of the house because of reflections from sunlight. It simply can't do measurements in those areas. For example, I went around the outside of my house with my IPhone 12 Pro Max and "3D Scanner App" - which is very popular. It couldn't measure anything from the gutter of the first floor or higher. And this was in the morning on a cloudy day.

Cubi Casa does not even recommend using its product outside of the house.

And by the way, ANSI does not talk about estimating exterior measurements from interior measurments. It talks about DIRECT exterior measurements. So Cubi Casa BY DEFINITION is not ANSI compliant.

To understand this, you just need to be able to read English.

Oh, and need I mention that we just occasionally run into homes where the lighting is poor even with all of the lights turned on.

And you do know that you have to avoid mirrors. But there are other kinds of reflective objects that can get in the way.

You seem to take this all very lightly. And if you do, then I assume Marty and others at your organization do as well. You are essentially speaking for your company. Maybe you could put all those Ph.D.s you brag about being at your disposal to doing some real work.
 
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You seem to take this all very lightly.
I do not take it lightly at all. My interest in this matter is why I asked for elaboration on the comments that you made about the accuracy of such scans. Knowing what I know about you from your postings, I anticipated that you did have some analytical reasoning to support what you wrote, and I appreciate you sharing your insights.

In examining the use of technology based solutions for home measurement, I do think it is important to consider the alternative as well. I see a lot of people asking about scans and challenging the accuracy/perfection of such technology. I do not see a lot of people asking the same questions about the alternatives to using such technology, or even asking how scans compare to what we have used for the last 30+ years. You seem to have given a lot of thought and consideration to the potential error in Lidar based technology; have you studied the error rates in measurements using a wheel, fiberglass tape and/or Disto-type device?
 
Appraisers are NOT required to comply with ANSI Z765 2021 in desktop appraisals. The requirement applies to appraisals of single family dwellings that include an interior inspection by the appraiser.
 
I do not take it lightly at all. My interest in this matter is why I asked for elaboration on the comments that you made about the accuracy of such scans. Knowing what I know about you from your postings, I anticipated that you did have some analytical reasoning to support what you wrote, and I appreciate you sharing your insights.

In examining the use of technology based solutions for home measurement, I do think it is important to consider the alternative as well. I see a lot of people asking about scans and challenging the accuracy/perfection of such technology. I do not see a lot of people asking the same questions about the alternatives to using such technology, or even asking how scans compare to what we have used for the last 30+ years. You seem to have given a lot of thought and consideration to the potential error in Lidar based technology; have you studied the error rates in measurements using a wheel, fiberglass tape and/or Disto-type device?

"When using sketching or 3D scanning software, the resulting output must also conform to the Square Footage-Method for Calculating: ANSI® Z765-2021 standards. See Exhibits for Appraisals in B4-1.2-01, Appraisal Report Forms and Exhibits for additional information on sketches and floor plans."

(from https://selling-guide.fanniemae.com...footage-calculation-for-gross-living-area.htm)

So, what does your argument have to do with the requirement to comply with ANSI Z765-2021 for measurement?

You have read not my posts in detail. The current state of the art for Cubi Casa is that it can't even measure the exterior of house. It "estimates" the exterior dimensions based on false assumptions about interior wall thickness. You can't get around that objection.

As far as your argument that Cubi Casa is better than what "we" have been using for the past 30 years - is EXACTLY what the Cubi Casa rep told me. That is a broad generalization that I would agree applies to many appraisers. But it doesn't apply to me or many others.

The question remains as to whether your organization in fact has a handle on the accuracy of Cubi Casa in all situations. Do you know what the possible inaccuracy is in sub-optimal conditions? Are you really willing to take responsibility when Cubi Casa is very inaccurate? If not - then who is the homeowner going to sue because the GLA is inaccurate - and such suits are common in California.
 
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I do not take it lightly at all. My interest in this matter is why I asked for elaboration on the comments that you made about the accuracy of such scans. Knowing what I know about you from your postings, I anticipated that you did have some analytical reasoning to support what you wrote, and I appreciate you sharing your insights.

In examining the use of technology based solutions for home measurement, I do think it is important to consider the alternative as well. I see a lot of people asking about scans and challenging the accuracy/perfection of such technology. I do not see a lot of people asking the same questions about the alternatives to using such technology, or even asking how scans compare to what we have used for the last 30+ years. You seem to have given a lot of thought and consideration to the potential error in Lidar based technology; have you studied the error rates in measurements using a wheel, fiberglass tape and/or Disto-type device?

I never thought to ask: Does Freddie Mac yet require adherence to ANSI Z765-2021?

 
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