I am a machine, or soon to be.

[Dublin ohio]

New report reveals Antioch officers referred to police chief as 'gorilla' in text messages

"I'm only stopping them cuz they are black. **** them." This officer's text was uncovered in the FBI's investigation of the Antioch Police Department. The report revealed more racist texts and exchanges that demonstrated how officers used racial profiling while on patrol.

abc7news.com

Hard to believe but there are still racist police in Bay Area.
Antioch has problems with police racial profiling and now we find racial name calling on the police chief. The current mayor in Antioch is Black and he's not happy.
Decades ago I appraised Antioch, a suburb of affordable homes. Over the years more Blacks have moved in like from Oakland.
I haven't appraised a property in Antioch in over 15 years so I don't know what has happened since then.

Looks like the higher forces are proactive and making sure appraisers don't get racist in their reports.

Baaaa.

 

[Fernando]

Baaaad.

Fixed it for you.

 

[J Grant]

1. Use of unsupported or subjective terms to assess or rate, such as, but not limited to, “high,” “low,” “good,” “bad,” “fair,” “poor,” “strong,” “weak,” “rapid,” “slow,” “fast” or “average” without providing a foundation for analysis and contextual information

What would satisfy as the foundation for analysis and contextual information in order to use high or low in acceptable standing? This part is overboard imo since the sales comparison section is comparative by nature.?
The adjsutments for subdivison reflects the fact that Cherry Hill prices are higher than Lotus Hill prices? Or that Cherry Hill prices median 10% greater? Or Cherry Hill median is 290k and Lotus Hill 270k?

 

[Zoe]

I don't understand how you explain condition in the improvements section or many other things like quality of construction. Maybe GSEs that came up with current protocol are scared the appraisal bias committee and govt are on the verge of taking them over.

 

[djd09]

f the commies

 

[Tom D]

some of you wokeless people have been asleep for years. if you ever sold real estate, you would have your radar up. here are acceptable words, for your woke reading pleasure.

usually, unique, typically, exceptionally, refinements, highly, high or very high, above-standard, significant, well, acceptable standards, stock, adequate, some, may, economy, basic, main, plain, readily, minimal, limited, minimum, inexpensive, lower, may, often, simple, unskilled, minimal, substandard, non-conforming, recently, rehabilitated, remanufactured, like-new, significant, extended, little, virtually, recently, refinished, outdated, updated, current, almost, similar, well, renovated, limited, normal, some, not every, short-lived, estimated, majority, need, useable, exceeded.
FNMA letter june 2023
Prohibited factors and subjective terms
We use text recognition technology to scan appraisals for prohibited and subjective language, then validate the results with human reviews. Here are some key categories of what we look for, with examples of issues we have found – all quoted from real appraisal reports.

 

[J Grant]

RE agents and listings have their standards ( or lack of them) wrt verbiage, appraisals has their own - and GSE work a specialty ( and not in a good way, but it is what it is)

Now that appraisal volume is down due in large part to the agencies using waiver/the appraisal staff at Fannie and Freddie have to fill their time so now they are scrutinizing appraisals and scanning for words - appraisal fees are inadequate wrt the added scrutiny and risk of being dinged for the slightest deviation from an impossible to meet standards in GSE work

Message to the folks esp cert generals who never do GSE/lender URAR work yet comment vociferously on it, please do some of the work yourself for a few months and then post about it . Until that happens your comments is that of armchair quarterbacks. Go in and get dirty get concussed then come back and comment on what it is like out there.

 

[Overimprovement]

It would be nice if they could tell us what we can or should say to convey conditions in a given neighborhood rather than what they prohibit. How are you supposed to describe negative conditions? 'Minimally appointed bungalow displays extensive deferred maintenance and is typical for the housing stock in the neighborhood? Can you say typical because typical is synoymous with 'average'?

As much as I hate the thought police, I have always done well (no stips) using C and Q ratings to describe the neighborhood, and where subject falls in relation to that...

 

[Mejappz]

Message to the folks esp cert generals who never do GSE/lender URAR work yet comment vociferously on it, please do some of the work yourself

Good luck with that . Lol

 

[Elliott]

There was a story on a local Portland evening news station yesterday of a Black woman complaining about renting in a newer, rent assisted apartment. She was blaming management of the building about not being informed before she signed the lease agreement that there was open drug use and prostitution in front of the building. Had she known, she would have never wanted to move into the property. She was mad, because now she is stuck and doesn't feel safe.

So is there a duty for anyone to correctly describe the adverse influences on a property?