RockBass
Sophomore Member
- Joined
- Aug 6, 2016
- Professional Status
- Certified Residential Appraiser
- State
- Washington
Afternoon all,
Poked my head in the attic and saw this.


That discoloration on the roof doesn't exactly fill me with confidence and I reported as much to the lender, making the property "subject to" getting it dealt with.
The listing agent is trying to tell me that it's a result of a puncture in the hood venting, which has led to a greasy discoloration from the hood venting into the attic. But in my mind, my bigger concern would be a mold issue. I'm also noticing that there are no dark areas on the beams or on the insulation, only the roof itself which would seem strange if it was a hood vent issue.
According to the HUD handbook "If there is evidence of a deficient condition (such as a water-stained ceiling, insufficient ventilation, or smell of mold), the Appraiser must report this condition, and render the appraisal subject to inspection and repairs if necessary". I've asked multiple times if an inspection has been performed on the property and the question isn't really getting answered. Naturally, the lender and the listing agent are asking me how to "fix" it. At this point I'm basically repeating that they need to get an inspection and repairs if necessary per the HUD handbook.
I just wanted to make sure that I'm not missing anything and figured I'd ask for anyone else's two cents.
Thanks!
Poked my head in the attic and saw this.


That discoloration on the roof doesn't exactly fill me with confidence and I reported as much to the lender, making the property "subject to" getting it dealt with.
The listing agent is trying to tell me that it's a result of a puncture in the hood venting, which has led to a greasy discoloration from the hood venting into the attic. But in my mind, my bigger concern would be a mold issue. I'm also noticing that there are no dark areas on the beams or on the insulation, only the roof itself which would seem strange if it was a hood vent issue.
According to the HUD handbook "If there is evidence of a deficient condition (such as a water-stained ceiling, insufficient ventilation, or smell of mold), the Appraiser must report this condition, and render the appraisal subject to inspection and repairs if necessary". I've asked multiple times if an inspection has been performed on the property and the question isn't really getting answered. Naturally, the lender and the listing agent are asking me how to "fix" it. At this point I'm basically repeating that they need to get an inspection and repairs if necessary per the HUD handbook.
I just wanted to make sure that I'm not missing anything and figured I'd ask for anyone else's two cents.
Thanks!