Appraiser saying house can not go FHA 203K .....

[Michael Dunn]

So I just " re-talked " with the appraiser that came out a week and a half ago,  to do the appraisal on the property I am trying to purchase.

When he came out, he said that there were certain issues with the house , and because of these issues.... he could not do an appraisal

The issues are....

1. That one of the rooms did not have a closet in it, and also that it did not have a window that was operable

2. It is a " 2-unit " property , and that there are no 2-unit / multi-family properties in the area to compare the property to...I.E. give an appraisal value on the property

Welllll , over the weekend , I put in a closet, as well as got one of the two windows in the room operable

So I called him back today to tell him that I have done these two things, and he told me that the house ( all of the sudden ) will not go FHA 203K .

What I don't understand, is that a week and a half ago, he made no mention that it wouldn't go FHA 20K , only that it needed a closet and operable window in the one bedroom ( to make it a legit window )

He's saying .... That since it is a 2-unit property ( although, the county tax records have always and still do.... show it as a single family property with a de-tached workshop )

The 2nd " unit " was originally a workshop when the house was built ( back in 1945 ), but some 20 years ago, someone put a bathroom, kitchen, bedroom and washer and dryer hookups in it

I don't understand why he is saying that it won't go FHA 203K, when I have seen houses in worse/ more distressed shape than the property I am trying to buy.

The house does need about $25,000 in repairs ( New AC unit, roof, painted inside and out, all new flooring, appliances 0

It is a cabin type house, so the wires are stapled to the wall ..... to get by this and get it up to code, can't you just wrap it in conduit ?

And lastly , even if he's deeming it a " 2-unit " property .... and is saying that he can't find any comparables to compare it to ..... couldn't he just find recently sold 3 bed 2 bath , 3 bed 1 bath, 2 bed 2 bath  houses and then subtract ( $15,000 ) for a bedroom  and ( $10,000 ) for a bathroom ?

It looks like I may have to pay for another appraisal, but even at that ..... I'm getting no guarantee that it will go FHA 203K

Sorry for the long post... just need some help and recommendations please

Thanks so much, I really appreciate it - michael