The paperwork was originally written up for a refinancing of a personal property to personal property, but when I went to sign them I noticed the discrepancy and had them rewrite it for personal to investment property.

My father has owned a property in Juniata for many years. I'll be 50 years old in December and ever since I was a young boy I remember it being a two family duplex. I'm currently in the process of purchasing the prope...

ie, have them give you a discrepancy list.

Because you make money flipping property, that exploits the discrepancies between the lows and highs within a range for profit, you understand this.Last thing to consider before I rant about lender's policy, is that the first appraiser performed an appraisal using a hypothetical condition that you would improve the property to a specific/certain degree.

So I was just trying to figure out a possible reason for the discrepancy

This will be a report stating the discrepancies with their report and what you think is actually correct.

However there is a large discrepancy between the quantity and quality (value) of the items that were disposed.

I paid a bit extra to also go back and correct some discrepancies but totally worth it in the long run.

I did due diligence and everything matched, there were no discrepancies. 

A good agent would have gone through this and picked up the HOA discrepancy, double checked it with the title company, the Association or their CAM and advised you accordingly.