Rude to give an appraiser a list of comps beforehand?

[Jim D.]

I am doing a lot of BRRR projects right now, and have been consistently dealing with extremely low appraisals. Low to the point of laughter when I show them to other agents. The subject property is always brand new remodel with nice material, and the appraisers keep picking the bottom of the barrel comps that haven't been updated in 30 years, while passing over perfectly reasonable remodeled comps right there on the list.

I go back to them after the appraisal and try to get them into include more accurate comps, but they usually just add one or two comps on and keep their crappy ones. I have an appraisal today and had the thought that maybe I could email them a list of potential comps that I have personally been in that I think are good matches. However, I don't want to be condescending--I could see that annoying them, a customer trying to tell them how to do their job. 

Anyone think this is a good/bad idea?

[Marc Winter]

@Jim D.

It depends on how you present it.  When I was actively selling in NYC I always met the appraiser at the property, gave them my card and three comps, plus a list of any particular improvements I wanted to point out.  

I never had an appraiser be anything but courteous in response.  Let them know you are available if they have any questions.  Don't crowd or hover them.  Smile and wait patiently until they have finished.  

Lastly, keep in mind that most appraisers will try to stretch up to a sales price number, but may be more conservative with a refi.