A phase 1 should be pretty uniform vendor to vendor, it’s just a history of the property.

In some cases it works really well, because the neighborhood is quite uniform and the math works, in other cases you have very different types of properties, or you have a geographic divider like a freeway or a river and now you have very mixed data.

Appraisers vary greatly and unfortunately there is no uniform clear guidelines on how issues can or should be addressed based on loan type and there is no repercussion for appraisers not submitting reports within their timelines to keep the buyer out of breach of contract.

Now-a-days I have my clients complete the Uniform Residential Loan Application b/c of questions and back-and-forth exactly like this, but I used to do it for my clients based on their paperwork as a "customer service" thing (I was trained to do this by "elders" that had been writing mortgages pre-2008, so as a "customer service" thing they had always put in that everyone makes $25k/mo as a janitor, right?)

Could get you lots of free room and board even a uniform!

A primary driver is uniformity of community, the next in most cases is connected with our development funding and approval at a regulatory level. next is market factors, for example a certain area that HOA's are the norm or the expected for a certain price point.

Analyze as if you are not occupying so you compare properties uniformly.

DSCR lenders are busier than they've ever been because the rates and programs still allow for great cash flow, the loans close with minimal effort and there is more uniformity in this sector of the mortgage business.4.

In Texas, demanding an original (sans promissory note) is kinda petty because we have the Uniform Electronic Transactions Act. 

Somebody points out that you're clearly articulating a Nazi or KKK sentiment, you claim that they're saying you dress up in an SS uniform or a pointy hood in your spare time.