I suspect that the answer lies in the distinction between demand for a good and the quantity demanded of a good at a given price.

@Dylan Beckwith, that sounds very Minnesota specific at that level; Ohio doesn't have that distinction.

your right Mark about the FSM rekey as opposed to the AM..I sometimes forget there's distinction between the two - also, I didn't think they did re appraisals unless it had been more than 3 months since the previous appraisal... but I'll be the first to admit I don't everything about the program - I am still learning about HUD home sales and they usually sell so fast here in Fresno that there is never a re appraisal.

There us a distinct difference between making a liw ball offer all cash and a ridiculous low offer with financing.

The valuation and market value of a multi family property differs from a single family and you want someone that understands the distinctions if you go that route.

When she bailed to Sect 8 & we gained access to the home it was full of property with distinct school district inventory tags. 

Realize there was that distinction in VA loans if I really appreciate the information!

@Kathi Miller there's a lot of posts on the BiggerPockets forums that are not accurate around the service animal vs emotional support animal distinction, in some cases due to discrepancies in state-state laws and/or misinterpretation of ADA guidelines in this area. 

Any future lender will look at it as two properties because they are legally distinct properties.

I think that the "Feds" needs to be separated into their distinct buckets.