You can appraise anything but the appraisal will point out the missing drywall and deduct some value.  

@Max Tanenbaum Of course standard procedure ;)

Here in Wisconsin it it standard to do a "well water and septic" test during any real estate transaction.

once you have your license you can, will, be held to a higher standard.  

I think that it is "standard issued"   I am just looking for a standard one but it must apply to rules in California.  

Using traditional bank financing for non-owner occupant 20% down payment for a single family and 25% for a multi is standard.

The construction standard comparing AUS to USA is totally different so you can learn but your not going to be able to get funding easily in either country, just too young

All you have to do is sign the standard agreements and receive a check in the mail every month.Negotiate a $5k down payment with a 30-year seller financed note.

Hi I did and heloc on investments is not standard at most banks.  

The last 5 years has been atypical with the credit markets and such where FHA was either competitive with conventional loans, sometimes cheaper than conventional loans and unfortunately at times, the only choice for a mortgage.Each bank has their own underwriting standards since again, they are the ones lending the money.