I inspected a home that was in the process of renovation. The majority of the home was done, but the downstairs hallway and part of the upstairs lacked sheetrock. The walls were open with paperbacked insulation between the studs. The homeowners live in the house full-time, and the kitchen, baths, living areas and bedrooms are all finished. I know the open walls are considered a safety issue, but as the rest of the house is in good condition does it still warrant a C6 condition rating? Or does the condition of the finished areas count for something and can i give it a C5 rating? I'm having a hard time deciding. Thanks for any insight you can provide.
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In part it is up to the lender. I'd contact them, explain the situation and ask if they want it subject to completion or, as-is. I agree that it doesn't sound like a C-6.