Its not GA starter housing construction which I have been through many and they are as cheaply built as you can humanly do..

They are all good as far as they go but it takes a human to verify accuracy. 

They are human.

However, 14 is old for a dog and with age come problems, just like humans.

There are overlays, or there could be something causing the human underwriter to question the transaction, the value of the collateral, etc.

And then stack on top of that, that appraisal fees have not been tracking with local cost of living increases for years (all we did is introduce AMCs to take a cut of the appraiser's pie), forcing it to be a volume game rather than a quality game, and as a human one would expect that someone is going to feel less bad about someone not being able to refinance and save $100/mo (possible consequence of low refinance appraisal), than they will feel bad about a family losing their dream home (possible consequence of low purchase appraisal), and as a result it isn't crazy to think that a human appraiser will spend more time trying to arrive at an opinion of value that matches expectations on purchase appraisals than refinance appraisals. 

I suspect, given that Foxconn is trying to automate all of its factories in China, and have virtually no human employees, that in the United States where labor costs are much higher, they have an even greater incentive to automate. 

Marines are simply unique humans.  

Another in the long list of web companies that think they can re-wire the real estate market and human behavior with a spiffy website and an appeal to saving a buck.  

Many schools will let you emphasize/major in an area like management, accounting, marketing, human resources, or finance.