Plenty of transactions and most homes and lot sizes are uniform.  

For example, Tennessee has the Uniform Residential Landlord Tenant Act.  

CADs use “mass appraisal” which is more dependent on regression analysis and doesn’t dive as deeply into your property specifics.You can protest because the value is above market value and/or because the value is not equal and uniform to similar properties.  

But that underlines your point about not having uniformity nation wide.

However, @John McConnell, I see you in a uniform, speaking of retirement, lucky you.

While it does appear there is *some* flexibility now coming in terms of loan forbearance and some states/counties are being *a little* flexible on taxes these aren't uniform and still come with hardship and problems.

As to stupid, I'd say that the preceived problems are attempted to be Solved from the Top, Uniformally, to Protect Investor Deposits and it comes out on the street as STUPID. :)

It doesn't hurt me that a wholesaler is still uniformed or incompetent.

We have uniformed techs with vehicles showing company name for 25-35 and hour based on market plus materials. 

I think this used to be easier to do in the past, but from my understanding, banks have stopped giving those lists out, at least as much.That being said, if you want to see how many REO's a bank and whether they likely need to ditch some, you can go to the following website:https://www.ffiec.gov/ubpr.htmPress "UBPR Reports"Select "Uniform Bank Performance ReportType in bank nameLook for "Other Real Estate Owned" on the balance sheet that comes up