Wording for musty odor in FHA house?

[Sadie]

I hardly think a PDR Dude will do the following for the chump change they pay these peeps

The HUD Handbook 4000.1 outlines specific crawl space requirements for FHA appraisals, including minimum height, ventilation, and moisture control standards.

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Key​

1. Vertical Clearance: The floor joists in the crawl space must be at least 18 inches above ground level to allow for maintenance and repair of ductwork and plumbing systems.
   
   but as usual your always the negative Nancy

FHA is always about condition because these are first time home buyers or refi's that the cant finance conventional

Until you get an appraiser who doesn't do a full FHA inspection. In the words of one of my mentors-never underestimate the number of pinheads in any given profession.

 

[Carnivore]

YI think ou made my point. The licensed appraiser can be disciplined. The PDR dude is not licensed. Why is this important in NC?
Answer is we have a Home Inspector license board. It is its own entity Under the Department of Insurance Fire Marshal




or this is the source: https://www.ncosfm.gov/licensing-cert/home-inspector-licensure-board-hilb

This why AMC's want Licensed Appraisers to complete PDR in NC. If the use Harry the scrap metal collector does it well the AMC better watch their back. BUT as long as he does not say anything about condition he is OK He can collect all the data he wants again as long as he never mentions condition

 

[J Grant]

I hope you are right and I am wrong.

FHA loan limits raised - it used to be for those struggling to afford a home/first time buyers. I am not sure if that is the case anymore.

2026, FHA loan limits for a single-family home range from a floor of $541,287 in low-cost areas to a ceiling of $1,249,125 in high-cost areas. These limits are updated annually based on location and property size (up to 4 units), with higher caps available in Alaska, Hawaii, Guam, and the U.S. Virgin Islands. [1, 2, 3]
2026 FHA Loan Limits by Property Size (Low-Cost vs. High-Cost Areas)

• 1-Unit (Single Family): $541,287 – $1,249,125
• 2-Unit (Duplex): $693,050 – $1,599,375
• 3-Unit (Triplex): $837,700 – $1,933,200
• 4-Unit (Fourplex): $1,041,125 – $2,402,625 [1, 2, 3]

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  FHA.com
  
  

 

[J Grant]

I was surprised when I downloaded a sample PDR collection report that it asked the PDR person to comment yes or no/none about any observed issues/conditions numerous times for different rooms - it seems like asking for their opinion on it imo

https://sf.freddiemac.com/docs/pdf/report/pdr-dataset-sample.pdf

 

[Dublin ohio]

it seems like asking for their opinion on it imo

Why would it have to be an "opinion". It could just be factual observations. A hole in the drywall is not an opinion, worn floors are not an opinion, etc, etc

 

[J Grant]

Why would it have to be an "opinion". It could just be factual observations. A hole in the drywall is not an opinion, worn floors are not an opinion, etc, etc

A hole in the drywall is not an opinion. Either a hole is there, or not.

"Worn" floors is an opinion - what looks worn to one person might not look worn to another....how much wear and tear qualifies it for "worn"

I was commenting wrt the form - where it asks the PDR person to comment on observed condition.

 

[Carnivore]

So even our licensed Home Inspectors cant really say as much as you might think. What they do is they check more Items. Electrical outlets. they check all of them. Heat Pumps they check all the vents' etc their reports make to recommendations get an electrician or a licensed plumber or a foundation expert. Everyone of them get up on the roof if they can .
bottom line is they our more detailed, They have their version of USPAP

So in regards to the PDR report you posted I dd see some possible items that crossed the line into home inspector domaine

Will this change anything, NO The PDR Dude is here to stay. Could there be lawsuits? possibly. Could the PDR dude get a nasty letter from my state, Maybe.

Here is the question: Is the llicensed appraiser that is doing PDR acting as an appraiser or acting as an unlicensed PDR Dude? or acting as a unLicensed home inspector in states that have a licensed Home Inspector?

Look Idon't fault any res appraiser or trainee doing PDR's if their bank account is getting low.

 

[sputnam]

hello ansi...

try 'unidentified' smell...

Unlike many of you... I was using ANSI long before Fannie mandated it. Only, no one ever called it ANSI. It was just the 'right' way to measure a dwelling. Unfortunately, some of our fellow forum users really have nothing to say. So, they just take shots at others.

 

[Carnivore]

ANSI-765 has been around a longtime. I used often in the older neighborhoods in my city before they mandated it's use

maybe it was something else

 

[NC Appraising]

https://www.ncrec.gov/Brochures/Measurementbooklet2013.pdf

Most appraisers in my market measured to the same criteria of ANSI, but didn't know what ANSI was. I started in 2004 and most appraisers didn't know what ANSI was. I was just taught to do it that way, which was pretty much ANSI.

Although.....I noticed a trend with some appraisers before ANSI became mandated....they would include ceiling heights below 7' to make value or to make the report to look clean or include below grade areas for split levels so that it would not bust that 10% line item, 15% net or 25% gross...

Maybe some of the old timers that have been appraising since the 70s and 80s will share how they did it. Standards had to be developed by someone.....

Good read https://www.workingre.com/measuring-understanding-ansi-standards/