Local bank appraisal process

[Brandon W Panganiban]

Hello everyone local Chattanooga newbie here. While trying to develop several lots in the city, I came across a BRRR opportunity on a SFH so jumped on that too. First one for me. Cash purchase with hard money to refi with conventional later. Can someone with more experience confirm that banks around here do drive by appraisals? I have enough meat on the bone to make the interior fancy too but if the appraiser is never going to go inside the house that changes the details of the interior for me. Honestly don't know if TVFCU went inside when I bought my primary residence in 2015 and, well, that's 6 years ago.

[Brian Levredge]

If we're talking local banks, I have yet to have one do a drive-by appraisal for a refi.