So, my questions are:
1) Should the appraiser be considering disclosures in their assessment of the property?

2) Bugs, if I need an appraiser in the next few months can you do it?

The answers here are:

1) Yes, an appraiser is supposed to consider whatever information they come across regardless of its source; and to the extent that it would affect the value those items are worth noting in the report and considering in the valuation itself. Sometimes we’re given information that’s basically irrelevant – that type of information doesn’t always make it into a report. Other times we’re given information that may have some bearing on marketability but not the value itself; that type of information might make it in the report even if we don’t do anything else with it. It all depends on the situation.

2) Sorry, but I don’t think it would be appropriate for me to accept a paying assignment off of this board. There are a couple reasons for this, one of them being I’d like to avoid mixing my business interests with my participation on this board.

But there are other reasons, too. Banking regulations prohibit a lender from using an appraisal wherein the appraiser was selected or engaged by any party other than the regulated institution or its agent.

I do appreciate the thought, though. If you do get an appraisal and you want to get an opinion on how good the work is or you want a second opinion that’s something I’d do for another Pigg gratis.