Yes, when the interest rate was set by FHA many moons ago and not the market, there was always the probability that the FHA financed sales would have higher sale prices due to points being added back-in to the sale price..so FHA did require a conventional comp so the little dummy appraiser would be able to see the effect of FHA financing on the sales prices of the comps and value accordingly.
Now that the rate is set by the market, all you have to do is adjust your sales for concessions, no matter what type they maybe.
Then you have the silly requirement about not using all comparable sales from the same subdivision on new construction because of possible builder financing/sales concessions inflating the sales prices of the units..like the competing builder in the adjoining subdivision isn't offering concessions if his competition is?????
Ben as ALMOST always I totally agree. got several builders here, the underwriter wants be to be sure that all the houses are built by different builder's. Almost ALL of them had a different crew would that be same as different builder's Like K&B or Pulette pound nails.