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No Toilet in the only bath room

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London

Thread Starter
Sophomore Member
Joined
Oct 15, 2007
Professional Status
Licensed Appraiser
State
California
We did an FHA appraisal the other day, and the property was in pretty good condition overall. There was only one thing that was wrong...the only bath room had no toilet! Now the lender is screaming, because we are going to condition for that toilet repair. How are we suppose to flush a toilet and run the water to check for water pressure, if there is no toilet. Are we doing the right thing (I fell we are)? Thank you in advance.
 
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Mr Rex

Elite Member
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Jan 12, 2004
Professional Status
Certified Residential Appraiser
State
North Carolina
Safe, sound, and sanitary. Kinda hard to be sanitary without a toilet.
 

NC Appraising

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Joined
Apr 28, 2006
Professional Status
Certified Residential Appraiser
State
North Carolina
MB or Lender? Me thinks MB.

Here is a link to Appendix D. PDF it to the lender :icon_wink:


FHA Valuation Protocol: see above
Plumbing System
· Flush the toilets and turn on a representative number of faucets to determine that the plumbing system is intact, that it does not emit foul odors, that faucets function appropriately, that both cold and hot water run and that there is no readily observable evidence of leaks or structural damage under fixtures.
· Turn on several cold water faucets in the house to check water pressure and flow. Flushing a toilet at the same time will also reveal any weaknesses in water pressure.
· If the property has a septic system, examine it for any signs of failure or surface evidence of malfunction.

Stay Strong, and do the right thing. :fencing:
 
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London

Thread Starter
Sophomore Member
Joined
Oct 15, 2007
Professional Status
Licensed Appraiser
State
California
That's was my exact point earlier today with the client. We will not budge, it has to be done! End of Story! Thank you for confirming!
 

Mike Kennedy

Elite Member
Joined
Sep 28, 2003
Professional Status
Certified Residential Appraiser
State
New York
CALL EM BACK n tell him here's the bathroom on that second assignment.......
 
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Riick

Elite Member
Joined
Aug 14, 2007
Professional Status
Certified Residential Appraiser
State
Delaware
Basic Requirements:
Sound Roof
Functional Heating system (aside from certain areas such as FL)
Cooking facilities ("Kitchen" with facilities for heatig food)
Indoor Plumbing - Bathroom - that includes a toilet
(( FHA handbook: 401-2.1 Every living unit shall be provided with a water closet,
lavatory and a bathtub or shower. ))​

Ask me how I know?
1st property I sold when I was a (complete) novice in Real Estate had none
of the above, but I wrote the agreement with an 80% LTV mortgage contingency.
:rof:
(( It was a 100+ year old "shell" - ripe for rehabilitation))
 
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Scott Kibler

Elite Member
Joined
Oct 7, 2003
Professional Status
Certified Residential Appraiser
State
Illinois
How does a property without a toilet get to be in "good" condition? Serious red flags there.
 

William K

Senior Member
Joined
Sep 21, 2007
Professional Status
Certified Residential Appraiser
State
Illinois
It can be GOOD CONDITION and POOR FUNCTIONAL UTILITY.
 

Don Clark

Elite Member
Joined
Jan 17, 2002
Professional Status
Certified Residential Appraiser
State
Virginia
Had a similar problem a few years ago. Found the commode in a closet in the hall. Fully functional but not much room and definetly not a good reading room.:rof:
 

Scott Kibler

Elite Member
Joined
Oct 7, 2003
Professional Status
Certified Residential Appraiser
State
Illinois
It can be GOOD CONDITION and POOR FUNCTIONAL UTILITY.

Sure but you got to wonder what other modern conveniences are lacking in this property that may not be so apparent.

If reading the subsequent appraisal report, I'd be looking for some explaination; bathroom remodel in process, kid dropped a bowling ball on crapper and they removed it right before the appraiser got there, outhouse in back also in good condition, owner utilizes compost pile, they only eat food that is 100% absorbed by the body, whatever.
 
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