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Lender called for a second appraisal after the repairs and 1004d were done by the first appraiser. Second appraiser made the kitchen a required repair, marked the adverse conditions field and stated "the kitchen must be brought to modern standards" without further detail.
Friend called the appraiser to get more info and the appraiser stated the lack of cabinets and a wood cookstove were health and safety issues, and I'm quoting- "the kitchen did not meet the minimum requirements to be called a kitchen".
A friend is buying a 1850s REO farmhouse with a 203k streamline loan. Repairs are for heat, new well, some siding and windows and new dishwasher and fridge.
When did a fridge become part of the MPS or MPR? Yes I know that there is a box for Refrigerator on the 1004 but I have never put a check in that box. Just like the shed in the back yard that was purchased from the local Amish or Mennonite road side dealer, the fridge is not part of the Real Estate Concern.