It's the owner's decision, and not all reverse mortgages are "shady"...they really can help a HO get extra income out of their house. That said, some lenders/clients are sleazy, and if you get that vibe from a client, may want to turn down work from them. This is a refinance assignment, purpose market value. you can ask the client directly why a reverse mortgage was not specified, the way they respond to your inquiry may put your mind at ease, or make you leery about accepting/this or future assignments.
There is nothing wrong per se with reverse mortgages. But they can be marketed agressively, and the problem usually comes in with the heirs...the HO dies, heirs, thinking they will inherit $ with the house, find there is suddenly little to no equity left because of the reverse mortage. Heirs in this situation may get upset, challenge whether the HO was comptent to make the decision and or challenge the appraisal.