Appraisal With No Inspection By Appraiser?

[Evincere]

Good point Jim. My direct clients are the same way. And when they do have a question regarding a more complex property and/or additional service above my "normal" 1004/1073 fee (i.e. 1004 plus Rent Schedule or OIS) they just inquire

All this nonsense about TRID being the cause of fixed fee shopping and low bidding is just that - a lame excuse to be used for what some AMCs declare their standard FIXED fee.

 

[Evincere]

The use of nurse practitioners in lieu of doctors in many areas of practice is becoming more and more common. The number of nurse practitioners having double to almost a quarter million over the past decade or so

And MSRA, Herpes and Dementia in younger people is becoming more and more common.

The number of people using debit cards instead of cash has more than quadrupled into the millions over the last decade or so.

 

[Michigan CG]

SL doesn't have set schedules, but as soon as an appraiser tries to raise fees y'all cut them off until one of you gives. I know because when I did work for SL, that's exactly what happened. I'd get a better client, raise fees on SL who would cut off work for awhile and then come back promising more volume for lower fees.

It's disingenuous for SL to act like appraisal quality matters when the reality is your just trying to maximize profits, by hiring the cheapest appraiser possible, quality be damned.

I am going to defend Danny (not that he needs it) for a number of reasons. First, there are not many people who participate on this forum who are not in-the-trench appraisers and no AMC Chief Appraisers post on this forum besides Danny. He gives us insight from his prospective and takes a lot of abuse for it. Personally if I got a job as a chief appraiser and posted here I would quit after a week.

Second, which I think is relative here, is that he has posted, in very much detail, how his company works, MULTIPLE times. I have read how his company works and for some of us it simply would not be a good fit. I can guarantee you that me working for his company would not be a good relationship. For some people it is a good relationship, for me it would never work out.

For you, you found clients that pay more (good for you), and you raised fees to his company and they didn't accept. Three very large AMCs are within 50 miles of me and i work for none of them because again, the relationship would not work; well that and those three are unethical at best but that is another story. I have lost many clients because of fee and I always seem to replace them. A good client to me is two a month or more. If my business model is to rely on one client to provide at least one a week then I have a bad business model.

There are thousands of clients out there and we have the ability to choose who we will work with and who we won't work with. I will choose, if offered by Danny's company, not to have that relationship as it would not fit my or his business model.

 

[Terrel L. Shields]

The use of nurse practitioners in lieu of doctors in many areas of practice is

The last two I've had were incompetent. First one I tried to explain that there was a missing pill from her list. She gave me a pill that isn't even recommended for people over 62. Sent me to a cardiologist who took one look at my past paperwork and said you are missing your diuretic...and throw away the little yellow pill. 130/70 56 right now.

 

[Michigan CG]

The use of nurse practitioners in lieu of doctors in many areas of practice is becoming more and more common. The number of nurse practitioners having double to almost a quarter million over the past decade or so: https://www.aanp.org/press-room/pre...r-of-nurse-practitioners-hits-new-record-high

My wife is a nurse practitioner and has 29 years of experience in the medical field. 15 years ago doctors were fighting NPs in what they could and could not do and because of that state laws vary greatly in what they can do. Some states have to have doctors sign off on everything, some on some things and some on nothing as long as their license covers what they are practicing.

If one goes to a hospital for almost anything where there are residents they should be happy that there are NPs. My wife has been helping to train interns for over 12 years. A guy graduates from medical school and is a doctor but still needs to put in that 2-8 years of internship to practice and NPs help train them and catch them making mistakes in the "real world". Those interns work crazy hours and base their decisions on what they learned in school which does not always work in the "real world" and especially on their 15th hour of work that day.

She comes home with some good stories. Yesterday it was about a bladder scan that she recommended and the intern said no. The intern had ordered something (I don't remember much of the details) and she said that it was a bad idea because his bladder would be full to the point of dangerous. He is a new intern and thinks NPs are "just floor nurses". Later in the day the floor nurse came back and said there was a problem and my wife suggested to the intern the bladder scan. She ordered the scan and was correct because of her 29 years. 15 years ago that would have never happened.

All professions change.

 

[timd354]

My wife is a nurse practitioner and has 29 years of experience in the medical field. 15 years ago doctors were fighting NPs in what they could and could not do and because of that state laws vary greatly in what they can do. Some states have to have doctors sign off on everything, some on some things and some on nothing as long as their license covers what they are practicing.

If one goes to a hospital for almost anything where there are residents they should be happy that there are NPs. My wife has been helping to train interns for over 12 years. A guy graduates from medical school and is a doctor but still needs to put in that 2-8 years of internship to practice and NPs help train them and catch them making mistakes in the "real world". Those interns work crazy hours and base their decisions on what they learned in school which does not always work in the "real world" and especially on their 15th hour of work that day.

She comes home with some good stories. Yesterday it was about a bladder scan that she recommended and the intern said no. The intern had ordered something (I don't remember much of the details) and she said that it was a bad idea because his bladder would be full to the point of dangerous. He is a new intern and thinks NPs are "just floor nurses". Later in the day the floor nurse came back and said there was a problem and my wife suggested to the intern the bladder scan. She ordered the scan and was correct because of her 29 years. 15 years ago that would have never happened.

All professions change.

Yes, NP's are a very valuable part of our medical system and the few times that I have been seen or treated by an NP were great. Of course many doctors fought very hard against the growth of Nurse Practitioners, almost all professions and industries will implement protectionist measures as much as possible to protect and boost the incomes of those already in the profession/industry. In this way the physicians are no different from appraisers, dentists, etc. and others.

 

[timd354]

The last two I've had were incompetent. First one I tried to explain that there was a missing pill from her list. She gave me a pill that isn't even recommended for people over 62. Sent me to a cardiologist who took one look at my past paperwork and said you are missing your diuretic...and throw away the little yellow pill. 130/70 56 right now.

I have no doubt that some NP's are not competent just as some doctors are incompetent quacks, so what is your point?

 

[J Grant]

NP's are licensed/certified and part of the medical profession .They are personally hired by a doctor, who chooses to make them part of their practice and they have a professional relationship with the doctor.

The person who will be doing the inspection on a bifurcated is not licensed in appraising and (typically ) not personally selected by the appraiser and has no personal relationship with the appraiser. .

A non appraiser doing an exterior "inspection " ( just taking a photo from the street ) vs a non appraiser doing an interior inspection produce a different level of input. a report will rely on.

 

[timd354]

.They are personally hired by a doctor, who chooses to make them part of their practice and they have a professional relationship with the doctor.
.

That is simply not true in many states. In some states they are required to have a doctor sign off on everything or some things (those would be the states where the doctors have successfully kept protectionist measures in place to protect their own income). In 21 states & DC, nurse practitioners can set up their own practice independent of doctors:
https://onlinenursing.simmons.edu/nursing-blog/nurse-practitioners-scope-of-practice-map/
.

 

[J Grant]

Yes, NP's are a very valuable part of our medical system and the few times that I have been seen or treated by an NP were great. Of course many doctors fought very hard against the growth of Nurse Practitioners, almost all professions and industries will implement protectionist measures as much as possible to protect and boost the incomes of those already in the profession/industry. In this way the physicians are no different from appraisers, dentists, etc. and others.

Professions have assistants who perform certain functions because the professionals who hire them make MORE income by using them.
Doctors can use nurses or phlebotomists or x ray technicians, dentists use dental assistants and lawyers use paralegals. Paralegals from what I understand are not licensed? But they are chosen by the lawyer personally not some anonymous unknown person inserted into a case. Nurses and dental assistants are licensed in the field they work in.

As far as boosting income, lawyers, doctors, dentists, other use licensed or skilled assistants by choice and because they increase the professional's income, not decrease it. These assistants are usually paid on salary by the professional and people are paid on salary because it leverages profit more for a professional ( who usually charges per service ),

Appraisers for 1004 work will likely make less money for bifurcated with the insertion of an inspector to do part of the assignment and it is not an appraiser's choice, a bifurcated is a client decision. The only choice the appraiser has is decline the order, so they make no money. That is a very different scenario from doctors, dentists, lawyers, others who choose to use and hire assistants. (because it increases their income, not decreases it)

Doctor/dentist / : $400 fee for a service, their CHOICE to use a nurse/dental assistance usually paid a salary, so perhaps out of the $400 the assistant cost them $20 ( let's say assistant spent 30 minutes on the$400 task)
Appraisal fee $400 for a service...the inspector portion is paid out of that by the AMC or lender ( they are not going to pay MORE for an inspector ), so portion to appraiser is $300 ( which does not address further possible impact on fees)ming AMC has :