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sounds like someone should start a class action suit against every appraiser in the country then, himself included, since according to you we are all violating our bible.
Because of hindsight bias and survivorship bias, in particular, we tend to forget the many who fail, remember the few who succeed, and then create reasons and patterns for their success even though it was largely random.
naw ... just keep doing what fannie tells you. why would they have bias. they are only a for profit quasi government company making up so call assignment "guidelines" with exceptions. hahaha