Plus, land costs / values and construction costs / materials and labor are dramatically different throughout the country, so a set standard wouldn't apply.For the sake of argument here, I refer to a term that I use quite a bit which is a "test of reasonableness". 

I use eRentpayment.com as well.Their customer service is very good, I had a tenant signup but didn't complete payment.

For the sake of argument, if the bank does find out, do they a have that ability? 

"You can make 'a sale', or you can make 'a customer'.

Your argument about cost is an old one and used to make sense.

Un-permitted garage conversions are another one (this comes down to local custom).Maybe you are not reading the appraisal the right way.

They're entitled to use whatever means they want to try to find customers.

As always Josh above and beyond in customer service.

Before this, it was a custom that married Austrian women did not work outside the home.

I had heard that its common to direct the best deals to the best customers, which leaves leaves a significant hurdle in obtaining strong efforts for buyers who aren't established, large volume customers.