Walked away mid-inspection/vent

[residentialguy]

I never said that the appraiser should condition the report to running a knife through drywall of a plastered ceiling - you read much more into my post than what I actually stated. In my opinion, appraisers who encounter the situation where there is no access to an attic or a crawl space for a FHA appraisal inspection should simply condition the report on a final inspection of the attic or crawl space (they should not condition for the property to be modified - as that is not the appraiser's problem...it is up to the lender and property owner to figure out how to provide access) However, since the condition for the inspection of the attic or crawl space cannot possibly be met in such cases unless access is provided, it is clear that the FHA in essence requires the structure to be modified in order to provide access to the appraiser (again, not the appraiser's problem or issue). Otherwise the appraisal eventually submitted by the lender to FHA will not meet the FHA valuation protocol.

The DEU could waive the requirement I suppose, but in my experience I have never seen this requirement waived by a DEU and suspect that a DEU that did make it a habit of waving this requirement would eventually no longer be a DEU.

Spot on!

 

[Cob]

The MLS in the Austin area has sketches available for almost any home in Travis County (the main county Austin is in) before I go to ANY appraisal appointment in Travis County I print the sketch up and bring it with me.

I also like doing the outside first, but now if I hear the dreaded, "can you do the inside first?", I have the other sketch with me, go inside and finish the inside and then go back outside and finish up.

 

[DMZwerg]

Hey NC,

While the GSE guidelines do not spell out a specific requirement like FHA mandating that appraisers must inspect attics and crawl spaces, the GSEs both state that apraisers must perfom a complete inspection of the property:
Appraisals based on interior and exterior inspections must include complete visual inspections of the accessible areas of the property. (sec. B4-1.4-1.5 of the Fannie Mae Guide)
Interior and exterior inspection: The apprasier is expected to perform a complete visual inspection of the interior and exterior areas of the subject property... (sec 44.7(b) of the Freddie Guide)

I weigh nearly 300 pounds ... "accessible" to me means I can either walk in at basically same level, stoop to see in, or access via a stairway able to handle my weight, otherwise it is inaccessible to me (probably why I don't do FHA ).

On the plus side if a porch, step, or balcony can hold my weight it should be relatively safe for any person or ordinary/standard weight.