When value or rent changes the loan, review the support behind the conclusion.

An appraisal problem may involve value, comparables, condition, market rent, lease treatment, short-term rental evidence, or a lender review overlay.

Two Conclusions, One Report

The appraisal can affect both leverage and DSCR.

A lower property value may reduce the maximum loan amount. A lower market-rent conclusion may reduce the qualifying income. Either issue can change pricing, reserves, cash to close, or approval.

✓ Value review: comparable selection, adjustments, condition, legal use, unit count, marketability, and review findings.

✓ Rent review: current lease, Form 1007 or 1025, comparable rents, concession treatment, and proof of receipt.

✓ Short-term rental review: eligible operating history, third-party market data, seasonality, and required expense treatment.

✓ Program fit: whether another lender has a more appropriate appraisal or rental-income framework.

Appraisal and rental-income documents on a Deal Desk

Appraisal disputes require facts. Specific comparable, condition, measurement, or factual issues are stronger than a general disagreement with value.

What to Send

Documents that make an appraisal or rent second look more useful.

⌕

Appraisal and review comments

Include the complete report, addenda, 1007/1025, SSR or review comments when available, and any lender request for correction.

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Property facts and improvements

Provide accurate unit count, square footage, renovation details, permits, legal use, rent roll, and any factual correction supported by records.

Lease and proof of rent

Current signed leases, renewal terms, security-deposit distinction, bank evidence of rent receipt, and explanations for recent occupancy changes.

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Short-term rental support

Historical statements, booking-platform reports, third-party market data, property-management statements, and a realistic expense calculation.

Independent appraisal requirements

The Deal Desk cannot direct an appraiser to reach a predetermined value or rent. Any reconsideration or correction must follow applicable appraisal-independence requirements and be supported by specific, relevant information.

Send the appraisal issue—not just the disappointing number.

Include the lender comments, current terms, property facts, and deadline.

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