chore: copied from assist repo

.gitignore

@@ -0,0 +1,116 @@
+# following files are in my local repo for testing alternative to test method of extracting information
+.env
+.venv
+.ruff_cache
+.ropeproject
+.DS_Store
+pyrightconfig.json
+.ipynb_checkpoints/
+en_PP-OCRv3_det_infer/
+
+# Byte-compiled / optimized / DLL files
+__pycache__/
+*.py[cod]
+*$py.class
+
+# C extensions
+*.so
+
+# Distribution / packaging
+.Python
+build/
+develop-eggs/
+dist/
+downloads/
+eggs/
+.eggs/
+lib/
+lib64/
+parts/
+sdist/
+var/
+wheels/
+*.egg-info/
+.installed.cfg
+*.egg
+MANIFEST
+
+# PyInstaller
+#  Usually these files are written by a python script from a template
+#  before PyInstaller builds the exe, so as to inject date/other infos into it.
+*.manifest
+*.spec
+
+# Installer logs
+pip-log.txt
+pip-delete-this-directory.txt
+
+# Unit test / coverage reports
+htmlcov/
+.tox/
+.coverage
+.coverage.*
+.cache
+nosetests.xml
+coverage.xml
+*.cover
+.hypothesis/
+.pytest_cache/
+
+# Translations
+*.mo
+*.pot
+
+# Django stuff:
+*.log
+local_settings.py
+db.sqlite3
+
+# Flask stuff:
+instance/
+.webassets-cache
+
+# Scrapy stuff:
+.scrapy
+
+# Sphinx documentation
+docs/_build/
+
+# PyBuilder
+target/
+
+# Jupyter Notebook
+.ipynb_checkpoints
+
+# pyenv
+.python-version
+
+# celery beat schedule file
+celerybeat-schedule
+
+# SageMath parsed files
+*.sage.py
+
+# Environments
+.env
+.venv
+env/
+venv/
+ENV/
+env.bak/
+venv.bak/
+
+# Spyder project settings
+.spyderproject
+.spyproject
+
+# Rope project settings
+.ropeproject
+
+# mkdocs documentation
+/site
+
+# mypy
+.mypy_cache/
+
+.idea/*

Dockerfile

@@ -1,14 +1,22 @@
-
 FROM python:3.13-slim
 
-RUN useradd -m -u 1000 user
-USER user
-ENV PATH="/home/user/.local/bin:$PATH"
-
 WORKDIR /app
 
-COPY --chown=user . /app
-RUN echo "This Space will be updated via GitHub Actions sync"
+RUN apt-get update && apt-get install -y \
+    build-essential \
+    curl \
+    && rm -rf /var/lib/apt/lists/*
+
+RUN useradd --create-home --shell /bin/bash app && chown app:app /app
+
+COPY --from=ghcr.io/astral-sh/uv:latest /uv /bin/uv
+
+COPY --chown=app:app pyproject.toml uv.lock* ./
+USER app
+RUN uv sync --frozen --no-cache
+
+COPY --chown=app:app . .
+
+EXPOSE 8000
 
-EXPOSE 7860
-CMD ["python", "-c", "print('Space will be updated via GitHub Actions')"]
+CMD ["uv", "run", "uvicorn", "app.main:app", "--host", "0.0.0.0", "--port", "7860"]

Markdown_files/Appendix C-1 URAR with Report Field IDs v1.2/combined_document.md

@@ -0,0 +1,2593 @@
+```````markdown
+# UMDP Fannie Mae & Freddie Mac
+
+## UNIFORM MORTGAGE DATA PROGRAM
+
+### Uniform Appraisal Dataset (UAD) Specification
+
+**Issued by Fannie Mae and Freddie Mac**  
+**Appendix C-1: URAR with Report Field IDs**  
+**Document Version 1.2**
+
+**September 17, 2024**
+
+This document relates to the Uniform Mortgage Data Program®, an effort undertaken jointly by Freddie Mac and Fannie Mae at the direction of the Federal Housing Finance Agency.
+
+© 2024 Fannie Mae and Freddie Mac. Trademarks of the respective owners.
+
+```````markdown
+# Uniform Residential Appraisal Report — F.001
+
+Page [Page] of [Pages]
+
+## Energy Efficient and Green Features
+
+### Known Renewable Energy Components
+
+**6.000**
+
+#### Renewable Energy Component Ownership Financing Arrangement
+
+**6.001 | 6.002 | 6.003**
+
+### Known Building Certifications
+
+**6.004**
+
+#### Building Certification Organization Certification Year Version Rating
+
+**6.005 | 6.006 | 6.007 | 6.008 | 6.009**
+
+### Known Efficiency Ratings
+
+**6.010**
+
+#### Green/Energy Efficiency Rating
+
+**Organization | Rating | Score**  
+**6.011 | 6.012 | 6.013**
+
+---
+
+## Energy Efficient and Green Features Impact to Value/Marketability
+
+### Impact to Value/Marketability
+
+**6.014**
+
+### Description
+
+**6.915**
+
+---
+
+## Energy Efficient and Green Features Commentary
+
+**6.016**
+
+---
+
+## Energy Efficient and Green Features Exhibits
+
+**6.017.1 | 6.017.2**
+
+---
+
+## Appraisal Version
+
+**HF.002**
+
+**Fannie Mae | Freddie Mac**  
+**HF.003**  
+**September 2024**  
+**HF.004**
+
+---
+
+## Appraiser ReferenceID
+
+**HF.005**
+
+## Agency Case FileID
+
+**HF.006**
+
+## Client ReferenceID
+
+**HF.007**
+
+## AMC ReferenceID
+
+**HF.008**
+
+```````markdown
+# Master Report Sketch_10_mv08
+
+## Uniform Residential Appraisal Report — F.001
+
+Page [Page] of [Pages]
+
+### Sketch
+
+**Sketch or Floor Plan Not Available**  
+7.000
+
+**Measurement Standard**  
+7.001
+
+**7.002.1 | 7.002.2**
+
+### Sketch Commentary
+
+7.003
+
+**Appraisal Version #** HF.002  
+**Appraiser ReferenceID** HF.005  
+**Agency Case FileID** HF.006
+
+**Fannie Mae | Freddie Mac** HF.003  
+**Client ReferenceID** HF.007
+
+**September 2024** HF.004  
+**AMC ReferenceID** HF.008
+
+```````markdown
+# Uniform Residential Appraisal Report
+
+**HF.001**
+
+Page [Page] of [Pages]
+
+## Dwelling Exterior - [Structure Identifier]
+
+| Subject Property Units in Structure                  | 8.001    | 8.000.1 |
+| ---------------------------------------------------- | -------- | ------- |
+| Structure Design                                     | 8.002    |
+| Floors in Building                                   | 8.003    |
+| Dwelling Style                                       | 8.004    |
+| Front Door Elevation                                 | 8.005    |
+| Townhouse End Unit                                   | 8.006 LO |
+| Townhouse Back to Back                               | 8.007    |
+| Units Above or Below                                 | 8.008    |
+| Townhouse Location                                   | 8.009    |
+| Year Built                                           | 8.010    |
+| Construction Method                                  | 8.011    |
+| Converted Area                                       | 8.012    |
+| Converted Area and Similarity to Rest of Living Area | 8.013    |
+| Factory Built Certification                          | 8.014    |
+| Structure Volume                                     | 8.015    |
+| Window Surface Area                                  | 8.016    |
+| Attic                                                | 8.017    |
+| Remaining Economic Life                              | 8.018    |
+| Effective Age                                        | 8.019    |
+| Commentary on Remaining Economic Life                | 8.020    |
+| Commentary on Effective Age                          | 8.021    |
+
+### Quality and Condition
+
+| Exterior Quality Rating | 8.022 | Exterior Condition Rating | 3.023 |
+
+The table below supports the Exterior Quality and Condition ratings and reflects the market value condition of this report 8.024
+
+### Exterior Features
+
+| Feature Detail          | Quality | Comment | Condition Status | Condition Comment |
+| ----------------------- | ------- | ------- | ---------------- | ----------------- | ----- |
+| Exterior Walls and Trim | 8.041   | 8.025   | 8.026            | 8.027             | 8.028 |
+| Foundation              | 8.041   | 8.029   | 8.030            | 8.031             | 8.032 |
+| Roof                    | 8.041   | 8.033   | 8.034            | 8.035             | 8.036 |
+| Windows                 | 8.041   | 8.037   | 8.038            | 8.039             | 8.040 |
+|                         | 8.041   | 8.042   | 8.043            | 8.044             | 8.045 |
+
+### Noncontinuous Finished Area
+
+The table below depicts any finished area that is attached to the dwelling but separate and not directly accessible from any unit 8.046
+
+| Finish | Total Area | Room Summary | Finished |
+| ------ | ---------- | ------------ | -------- |
+|        | 8.047      | 8.048        |          |
+
+### Mechanical System Details
+
+| System Detail | Yes   | No                              |
+| ------------- | ----- | ------------------------------- | ---------- |
+| Heating       | 8.049 | Core Heating System Below Grade | 8.052L] LO |
+| Cooling       | 8.051 | Other Mechanical Systems        | 8.053      |
+
+### Apparent Defects, Damages, Deficiencies (Dwelling Exterior - [Structure Identifier]) 3.054
+
+The items listed below represent the As Is condition as of the effective date of this report 8.055
+
+| Affects Soundness or Recommended | Feature Location | Description | Structural Integrity | Action |
+| -------------------------------- | ---------------- | ----------- | -------------------- | ------ |
+| 8.056                            | 8.057            | 8.058       | 8.059                | 8.060  |
+
+### Dwelling Exterior Commentary
+
+8.061
+
+### Dwelling Exterior Exhibits
+
+| 8.062.1 | 8.062.2 |
+| ------- | ------- |
+| 8.000.1 | 8.000.2 |
+| 8.047.1 | 8.047.2 |
+| 8.056.1 | 8.056.2 |
+
+---
+
+**Appraiser ReferenceID** HF.005  
+**Agency Case FileID** HF.006  
+**Client ReferenceID** HF.007  
+**AMC Reference ID** HF.008  
+**Appraisal Version #** HF.002  
+**Fannie Mae | Freddie Mac** HF.003  
+**September 2024** HF .004
+
+```````markdown
+# Uniform Residential Appraisal Report =F .001
+
+Page [Page] of [Pages]
+
+## Manufactured Home
+
+- **Manufacturer Name**: 9.000
+- **Attached to Permanent**: Yes
+- **Year Installed**: 9.001
+- **Foundation**: 9.003
+- **Moved Since Original Installation**: 9.002
+- **Towing Hitch, Wheels, Axles Removed**: 9.004
+- **Manufactured Home Width**: 9.005
+- **Skirting**: 9.006
+
+**Yes** | **No**
+
+Have there been any modifications, attachments, or additions that rely on or have altered the original structure for support? LI
+
+- **Modification, Attachment, or Addition**: 9.008
+- **Description of Modification, Attachment, or Addition**: 9.009
+
+  9.007
+
+## HUD Data Plate
+
+- **HUD Data Plate Attached**: 9.010
+- **HUD Wind Zone**: 9.013
+- **Date of Manufacture**: 9.011
+- **HUD Thermal Zone**: 9.014
+- **Serial Number**: 9.012
+- **HUD Roof Load Zone**: 9.015
+
+## HUD Certification Label
+
+- **Label Present for All Sections**: 9.016
+- **HUD Certification Number**: 9.017
+
+## Manufactured Home Certification Program
+
+- **Certification Identifier**: 9.018 | 9.019
+
+## Invoice Information
+
+- **Purchased from Retailer**: 9.020
+- **Retailer’s Invoice Reviewed**: 9.022
+- **Retailer Name**: 9.021
+- **Manufacturer’s Invoice Reviewed**: 9.023
+- **Invoice(s) Appear Reasonable**: 9.024
+
+**Commentary on Why Invoice(s) Not Reasonable**: 9.025
+
+## Manufactured Home Commentary
+
+9.026
+
+## Manufactured Home Exhibits
+
+9.027.1 | 9.027.2  
+9.010.1 | 9.010.2  
+9.017.1 | 9.017.2  
+9.018.1 | 9.018.2
+
+## Appraisal Version # HF.002
+
+**Appraiser ReferenceID**: HF.005  
+**Agency Case FileID**: = HF.006  
+**Fannie Mae | Freddie Mac**: HF.003  
+**Client ReferenceID**: HF.007  
+**September 2024**: HF.004  
+**AMCReferenceID**: HF.008
+
+```````markdown
+# Uniform Residential Appraisal Report
+
+**F.001**  
+Page [Page] of [Pages]
+
+**10.000 10.001 10.002**
+
+## Unit Interior - [Outbuilding Type] - [Structure Identifier] - [Unit Identifier]
+
+### Area Breakdown Levels in Unit 10.017
+
+- **Finished Above Grade** 10.003
+  - Floor Number 10.018
+- **Finished Above Grade (Nonstandard)** 10.004
+  - Corner Unit 10.019
+- **Unfinished Above Grade** 10.005
+  - Occupancy 10.020
+- **Finished Below Grade** 10.006
+  - Utilities Separately Metered 10.021
+- **Finished Below Grade (Nonstandard)** 10.007
+  - Utilities Operating 10.022
+- **Unfinished Below Grade** 10.008
+  - Total Bedrooms 10.023
+
+### Area Data Source 10.009
+
+- Total Bathrooms - Full 10.024
+- Total Bathrooms - Half 10.025
+
+### Below Grade Finish Compared to Above 10.010
+
+- Non-Residential Use in Unit 10.026
+
+**Yes** | **No**
+
+- Live/Work Space 10.027
+- ADU 10.011
+- CL) LO Allowable Work Space 10.028
+- Legally Rentable 10.012
+
+### Data Source 10.013
+
+- Typical for Market 10.014
+- Ingress/Egress 10.015
+- Separate Postal Address 10.016
+
+---
+
+## Level and Room Detail
+
+| Level in Unit | Grade Level Detail | Finish Area | Room Summary |
+| ------------- | ------------------ | ----------- | ------------ |
+| 10.029        | 10.030             | 10.031      | 10.032       |
+
+---
+
+## Quality and Condition
+
+- **Interior Quality Rating** 10.034
+- **Interior Condition Rating** 10.035
+
+The tables below support the Interior Quality and Condition ratings and reflect the market value condition of this report 10.036
+
+---
+
+## Kitchen and Bathroom Details
+
+| Room Update Status | Time Frame | Quality Comment | Condition Status | Condition Comment |
+| ------------------ | ---------- | --------------- | ---------------- | ----------------- |
+| 10.037             | 10.038     | 10.039          | 10.040           | 10.041            |
+
+### Overall Update Status for Bathrooms 10.043
+
+---
+
+## Interior Features
+
+| Feature Detail | Quality Comment | Condition Status | Condition Comment |
+| -------------- | --------------- | ---------------- | ----------------- |
+| 10.044         | 10.045          | 10.046           | 10.047            |
+
+### Overall Update Status for Flooring 19.049
+
+---
+
+## Accessibility Features for Individuals with Disabilities
+
+| Feature | Comment |
+| ------- | ------- |
+| 10.050  | 10.051  |
+
+---
+
+## Apparent Defects, Damages, Deficiencies
+
+**(Unit Interior - [Outbuilding Type] - [Structure Identifier] - [Unit Identifier])**
+
+The items listed below represent the As Is condition as of the effective date of this report 10.055
+
+| Feature | Location | Description | Structural Integrity | Recommended Action |
+| ------- | -------- | ----------- | -------------------- | ------------------ |
+| 10.056  | 10.057   | 10.058      | 10.059               | 10.060             |
+
+---
+
+## Unit Interior Commentary
+
+10.061
+
+---
+
+## Unit Interior Exhibits
+
+10.062.1 | 10.062.2  
+10.033.1 | 10.033.2  
+10.044.1 | 10.044.2  
+10.056.1 | 10.056.2
+
+---
+
+## Appraisal Version # HF.002
+
+**Appraiser ReferenceID** HF.005  
+**Agency Case FileID** HF.006  
+**Fannie Mae | Freddie Mac** HF.003  
+**Client ReferenceID** HF.007
+
+**September 2024** HF.004  
+**AMC ReferenceID** HF.008
+
+```````markdown
+# Uniform Residential Appraisal Report HF.001
+
+Page [Page] of [Pages]
+
+## Functional Obsolescence
+
+**Functionallssues**  
+11.000
+
+### Functional Obsolescence Commentary
+
+11.001
+
+### Functional Obsolescence Exhibits
+
+11.002.1 | 11.002.2
+
+---
+
+**Appraisal Version #**  
+HF.002
+
+**Appraiser ReferenceID**  
+HF.005
+
+**Agency Case FileID**  
+HF.006
+
+**Fannie Mae | Freddie Mac**  
+HF.003
+
+**Client ReferenceID**  
+HF.007
+
+**September 2024**  
+HF.004
+
+**AMC ReferenceID**  
+HF.008
+
+```````markdown
+# Uniform Residential Appraisal Report — F.001
+
+Page [Page] of [Pages]
+
+## Outbuilding - [Outbuilding Type]
+
+**Bian**
+
+**Considered Real Property**  
+12.002 42.007.1 | 12.007.2
+
+**Units in Structure**  
+12.003
+
+**Attached to Permanent Foundation**  
+12.004
+
+**Structure Volume**  
+12.005
+
+**Gross Building Area**  
+12.006
+
+Gross Building Area for the outbuilding includes area for vehicle storage, ADU(s), and any other uses.
+
+### Detail
+
+**Yes** | **No**  
+The table below depicts the area of the outbuilding, excluding vehicle storage and any ADU(s).
+
+**Heating**  
+12.008 [ ] | [ ]
+
+**Cooling**  
+12.009
+
+**Finish** | **Total Area** | **Room Summary**  
+**Utilities**  
+12.010
+
+**Finished**  
+12.011 | 12.012
+
+**Unfinished**  
+12.013
+
+### Mechanical System Details
+
+**System Detail** | **Other Mechanical Systems**  
+42.017
+
+**Heating**  
+12.014 | 12.015
+
+**Cooling**  
+12.016
+
+### Apparent Defects, Damages, Deficiencies ([Outbuilding Type])
+
+12.018
+
+The items listed below represent the _As Is_ condition as of the effective date of this report.  
+12.019
+
+| **Feature** | **Location** | **Description** | **Structural Integrity** | **Recommended Action** |
+| ----------- | ------------ | --------------- | ------------------------ | ---------------------- |
+| 12.020      | 12.021       | 12.022          | 12.023                   | 12.024                 |
+
+### Outbuilding Commentary
+
+12.025
+
+### Outbuilding Exhibits
+
+12.026.1 | 12.026.2
+
+### Appraisal Version
+
+HF.002
+
+**Appraiser ReferenceID**  
+HF.005
+
+**Agency Case FileID**  
+HF.006
+
+**Fannie Mae | Freddie Mac**  
+HF.003
+
+**Client ReferenceID**  
+HF.007
+
+**September 2024**  
+HF.004
+
+**AMC ReferenceID**  
+HF.008
+
+```````markdown
+# Uniform Residential Appraisal Report — 11F.001
+
+Page [Page] of [Pages]
+
+## Vehicle Storage
+
+### 13.000
+
+**Storage Number of Parking Spaces Detail**  
+13.001 | 13.002 | 13.003
+
+### Apparent Defects, Damages, Deficiencies (Vehicle Storage)
+
+#### 13.004
+
+The items listed below represent the As Is condition as of the effective date of this report.
+
+| Feature Location | Description | Affects Soundness or Structural Integrity | Recommended Action |
+| ---------------- | ----------- | ----------------------------------------- | ------------------ |
+| 13.005           | 13.006      | 13.007                                    |                    |
+| 13.008           | 13.009      |                                           |                    |
+
+### Vehicle Storage Commentary
+
+#### 13.010
+
+### Vehicle Storage Exhibits
+
+13.011.1 | 13.011.2  
+13.001.1 | 13.001.2  
+13.005.1 | 13.005.2
+
+---
+
+**Appraisal Version #** HF.002
+
+**Fannie Mae | Freddie Mac** HF.003  
+**September 2024** HF.004
+
+**Appraiser ReferenceID** HF.005  
+**Agency Case FileID** = HF.006  
+**Client ReferenceID** HF.007
+
+**AMC ReferenceID** HF.008
+
+```````markdown
+# Uniform Residential Appraisal Report =F .001
+
+Page [Page] of [Pages]
+
+## Subject Property Amenities
+
+**14.000**  
+**Amenity Category** | **Subject Property Amenity** | **Material Detail**  
+14.001 | 14.002 | 14.003 | 14.004
+
+## Apparent Defects, Damages, Deficiencies (Subject Property Amenities)
+
+The items listed below represent the _As Is_ condition as of the effective date of this report **14.005**.
+
+**Feature** | **Location** | **Description** | **Affects Soundness or Structural Integrity** | **Recommended Action**  
+14.006 | 14.007 | 14.008 | 14.009 | 14.010
+
+## Subject Property Amenities Commentary
+
+**14.011**
+
+## Subject Property Amenities Exhibits
+
+**14.012.1** | **14.012.2**  
+**14.002.1** | **14.002.2**  
+**14.006.1** | **14.006.2**
+
+---
+
+**Appraisal Version #** HF.002 | **Appraiser ReferenceID** HF.005  
+**Agency Case FileID** = HF.006  
+**Fannie Mae | Freddie Mac** HF.003 | **Client ReferenceID** = HF.007
+
+**September 2024** HF.004 | **AMC ReferenceID** HF.008
+
+```````markdown
+# Uniform Residential Appraisal Report F.001
+
+Page [Page] of [Pages]
+
+## Overall Quality and Condition
+
+| **Quality**                                              | **Condition**                                              |
+| -------------------------------------------------------- | ---------------------------------------------------------- |
+| Overall Quality: 15.000                                  | Overall Condition: 15.005                                  |
+| Exterior Quality - [Structure Identifier]: 19-001 15.002 | Exterior Condition - [Structure Identifier]: 15.006 15.007 |
+| Interior Quality - [Unit Identifier]: 15.003 15.004      | Interior Condition - [Unit Identifier]: 15.008 15.009      |
+
+## Reconciliation of Overall Quality and Condition
+
+15.010
+
+---
+
+**Appraisal Version #**: HF.002  
+**Appraiser Reference ID**: HF.005
+
+**Agency Case File ID**: HF.006  
+**Fannie Mae | Freddie Mac**: HF.003  
+**Client Reference ID**: HF.007
+
+**September 2024**: HF.004  
+**AMC Reference ID**: HF.008
+
+```````markdown
+# Revision History
+
+| Date Version              | Report Section Change #                                                                                                                                                | Revision Description   |
+| ------------------------- | ---------------------------------------------------------------------------------------------------------------------------------------------------------------------- | ---------------------- | --- |
+| Footer 2024-028           | Updated date in Footer (HF.004) to September 2024.                                                                                                                     | 1.2                    |
+| 2024-024                  | Deleted Property Value Trend (17.020).                                                                                                                                 |                        |
+| Income Approach 2024-051  | Corrected Report Field IDs for GRM Comp photos and captions (added 24.009.2).                                                                                          |                        |
+| Revision History 2024-043 | Added the Reconsideration of Value subsection (27.003-27.006).                                                                                                         |                        |
+| 2023-061                  | Updated date in Footer (HF.004) to December 2023.                                                                                                                      |                        |
+| 2023-001                  | Removed the “Under Review” watermark.                                                                                                                                  |                        |
+|                           | Deleted Subject Conforms to Surrounding Area (17.000), Reason (17.001), and Description                                                                                | 12/12/2023             | 1.1 |
+| 9/17/2024                 | 2023-031                                                                                                                                                               | (17.002).              |
+|                           | Changed Report Label to Market Area Boundary (17.003).                                                                                                                 |                        |
+|                           | Updated predefined text for Appraiser Certifications 18 (29.038), 24 (29.045), and 25 (29-046), and all Supervisory Appraiser Certifications (29.056-060, 29.071-074). |                        |
+| 2023-003                  | Clarified that Contact Name(s) (29.042) display for Appraiser Certification 21.                                                                                        |                        |
+| 3/29/2023                 | [10                                                                                                                                                                    | TC Mnitial publication |     |
+
+# Certifications and Scope of Work
+
+## Introduction
+
+The purpose of this document is to show all possible Report Labels that may display on the URAR, regardless of conditionality. This is not intended to represent a realistic report as an appraisal will never contain all of the available fields in one report. The red superimposed number is the Report Field ID.
+
+## Definition
+
+- **Report Label**: The name of the field as shown on the URAR.
+- **Report Field ID (FID)**: A red number identifying the specific location of the field on the URAR. Report Field ID (FID) is also referenced in:
+  - Appendix A-1: UAD URAR Delivery Specification
+  - Appendix B-1: URAR Implementation Guide
+  - Appendix F-1: URAR Reference Guide
+
+```````markdown
+# Uniform Residential Appraisal Report 1F.001
+
+Page [Page] of [Pages]
+
+## Highest and Best Use
+
+**Is the present use of the subject property...**
+
+- **Legally Permissible**: 16.000
+- **Financially Feasible**: 1°00
+- **Physically Possible**: 16.001
+- **Maximally Productive**: 16.003
+
+**Yes** | **No**
+
+**Is the highest and best use of the subject property as improved (or as proposed per plans and specifications) the present use?** LI
+
+### Highest and Best Use Commentary
+
+16.005
+
+### Highest and Best Use Exhibits
+
+16.006.1 | 16.006.2
+
+16.004
+
+---
+
+**Appraisal Version #**: HF.002  
+**Appraiser Reference ID**:  
+**Agency Case File ID**:  
+**Fannie Mae | Freddie Mac**: HF.003  
+**Client Reference ID**:
+
+**September 2024**  
+**AMC Reference ID**: HF.004
+
+HF.005  
+HF.006  
+HF.007  
+HF.008
+
+```````markdown
+# Uniform Residential Appraisal Report HF.001
+
+Page [Page] of [Pages]
+
+## Market Area Boundary 17.003
+
+Search Criteria Description 17.004
+
+### Search Result Metrics
+
+- **Active Listings 17.005**
+- **Sales in Past Months 17.012**
+- **Median Days on Market 17.006**
+- **Lowest Sale Price 17.013**
+- **Lowest List Price 17.007**
+- **Median Sale Price 17.014**
+- **Median List Price 17.008**
+- **Highest Sale Price 17.015**
+- **Highest List Price 17.009**
+- **Distressed Market Competition 17.016**
+
+- **Pending Sales 17.010**
+- **Graph 17.017**
+
+- **Price Trend Source 17.018**
+
+- **Price Trend Analysis Commentary 17.019**
+
+## Housing Trends
+
+- **Demand/Supply 17.021**
+- **Marketing Time 17.022**
+
+## Market Commentary
+
+17.023
+
+## Market Exhibits
+
+- **17.024.1 | 17.024.2**
+- **17.017.1 | 17.017.2**
+
+## Appraisal Version # HF.002
+
+- **Fannie Mae | Freddie Mac HF.003**
+- **September 2024 HF.004**
+
+- **Appraiser Reference ID HF.005**
+- **Agency Case File ID HF.006**
+- **Client Reference ID HF.007**
+
+- **AMC Reference ID HF.008**
+
+```````markdown
+# Uniform Residential Appraisal Report =F .001 Page [Page] of [Pages]
+
+## 18.000
+
+### 18.001
+
+### 18.002
+
+### 18.003
+
+- **Planned Unit Development (PUD)**  
+  [| | Condominium L] Cooperative |] \_Condop L1|
+
+### 18.004
+
+- **Project Name**
+- **Project Completeness**
+
+### 18.005
+
+- **Project Information DataSource**
+  - Yes
+  - No
+
+### 18.006
+
+- **Total Units**
+- **Are units, common areas, and amenities in project complete?**
+  - 18.016 L] L]
+
+### 18.007
+
+- **Units Sold**
+
+### 18.008
+
+- **Units for Sale**
+- **Subject Property Building Complete**
+  - 18.017L)J
+
+### 18.009
+
+- **Units Rented**
+- **Converted in Past 3 Years**
+  - 18.018L] LJ
+
+### 18.010
+
+- **Reason Units Rented is Estimated**
+- **Ground Rent**
+  - 18.019L] LI
+
+### 18.011
+
+- **Mandatory Fees (HOA, PUD, or Co-op)**
+  - **Annual Amount**
+    - 18.020
+  - **Monthly Amount**
+    - 18.011
+  - **Expires**
+    - 18.021
+
+### 18.012
+
+- **Common Amenities/Description of Ground Rent**
+  - 18.022
+
+### 18.013
+
+- **Utilities Included**
+  - Yes
+  - No
+
+### 18.014
+
+- **Observed Deficiencies**
+  - L} LJ
+
+### 18.015
+
+- **Description of Deficiencies**
+
+---
+
+## Cooperative Information
+
+### 18.023
+
+- **Shares Issued and Outstanding**
+- **Proprietary Lease Expires**
+  - 18.025
+
+### 18.024
+
+- **Shares Attributable to Subject Property**
+
+---
+
+### 18.026
+
+- **Project Blanket Financing**
+  - [] L]
+
+### 18.027
+
+- **Pro Rata Share**
+
+---
+
+## Lien Detail
+
+### First Lien 18.028
+
+- **Unpaid Principal Balance**
+  - 18.029
+- **Line of Credit**
+  - 18.030
+- **Balloon Mortgage**
+  - 18.031
+- **Remaining Term**
+  - 18.032
+- **Monthly Payment**
+  - 18.033
+- **Interest Rate**
+  - 18.034
+- **Amortization Type**
+  - 18.035
+- **Pro Rata Share of Balance Attributable to Unit**
+  - 18.036
+
+### Second Lien 18.037
+
+- **Unpaid Principal Balance**
+  - 18.038
+- **Line of Credit**
+  - 18.039
+- **Balloon Mortgage**
+  - 18.040
+- **Remaining Term**
+  - 18.041
+- **Monthly Payment**
+  - 18.042
+- **Interest Rate**
+  - 18.043
+- **Amortization Type**
+  - 18.044
+- **Pro Rata Share of Balance Attributable to Unit**
+  - 18.045
+
+### Third Lien 18.046
+
+- **Unpaid Principal Balance**
+  - 18.047
+- **Line of Credit**
+  - 18.048
+- **Balloon Mortgage**
+  - 18.049
+- **Remaining Term**
+  - 18.050
+- **Monthly Payment**
+  - 18.051
+- **Interest Rate**
+  - 18.052
+- **Amortization Type**
+  - 18.053
+- **Pro Rata Share of Balance Attributable to Unit**
+  - 18.054
+
+### Fourth Lien 18.055
+
+- **Unpaid Principal Balance**
+  - 18.056
+- **Line of Credit**
+  - 18.057
+- **Balloon Mortgage**
+  - 18.058
+- **Remaining Term**
+  - 18.059
+- **Monthly Payment**
+  - 18.060
+- **Interest Rate**
+  - 18.061
+- **Amortization Type**
+  - 18.062
+- **Pro Rata Share of Balance Attributable to Unit**
+  - 18.063
+
+---
+
+## Project Factors and Impact to Value/Marketability
+
+### Project Factor Detail
+
+- **Developer/Sponsor in Control**
+
+  - 18.064
+  - 18.074
+  - 18.084
+
+- **Incomplete Project**
+
+  - 18.065
+  - 18.075
+  - 18.085
+
+- **Converted in Past 3 Years**
+
+  - 18.066
+  - 18.076
+  - 18.086
+
+- **Single Entity Ownership of Multiple Units**
+
+  - 18.067
+  - 18.077
+  - 18.087
+
+- **Single Entity Ownership of Multiple Shares**
+
+  - 18.068
+  - 18.078
+  - 18.088
+
+- **Commercial Space**
+
+  - 18.069
+  - 18.079
+  - 18.089
+
+- **Known Legal Actions**
+
+  - 18.070
+  - 18.080
+  - 18.090
+
+- **Unit Transfer Fees**
+
+  - 18.071
+  - 18.081
+  - 18.091
+
+- **Unit Special Assessments**
+
+  - 18.072
+  - 18.082
+  - 18.092
+
+- **Unit Tax Abatements or Exemptions**
+  - 18.073
+  - 18.083
+  - 18.093
+
+---
+
+### Project Factors Commentary
+
+- 18.094
+
+### Project Information Commentary
+
+- 18.095
+
+---
+
+## Project Information Exhibits
+
+- 18.096.1 | 18.096.2
+- 18.012.1 | 18.012.2
+- 18.014.1 | 18.014.2
+
+---
+
+## Appraisal Version # HF.002
+
+- **Appraiser ReferenceID**
+  - HF.005
+
+## Agency Case FileID = HF.006
+
+- **Fannie Mae | Freddie Mac**
+  - HF.003
+- **Client ReferenceID**
+  - HF.007
+
+## September 2024 HF.004
+
+- **AMC ReferenceID**
+  - HF.008
+
+```````markdown
+# Uniform Residential Appraisal Report
+
+**F .001**  
+Page [Page] of [Pages]
+
+## Subject Listing Information
+
+Current and/or relevant listings of the subject property (minimum 1 year look back)
+
+**Current or Relevant Listings**: 19.000
+
+### Data Source: 19.001
+
+| Starting Current or Listing Status | Listing Type | Listing ID | Start Date | End Date | DOM    | List Price | Final List Price | Total DOM |
+| ---------------------------------- | ------------ | ---------- | ---------- | -------- | ------ | ---------- | ---------------- | --------- |
+| 19.002                             | 19.003       | 19.004     | 19.005     | 19.006   | 19.007 | 19.008     | 19.009           |           |
+
+### Analysis of Subject Property Listing History
+
+19.011
+
+### Subject Listing Information Exhibits
+
+19.012.1 | 19.012.2
+
+---
+
+**Appraisal Version #**: HF.002  
+**Appraiser Reference ID**: HF.005  
+**Agency Case File ID**: HF.006
+
+**Fannie Mae | Freddie Mac**: HF.003  
+**Client Reference ID**: HF.007
+
+**September 2024**: HF.004  
+**AMC Reference ID**: HF.008
+
+```````markdown
+# Uniform Residential Appraisal Report
+
+**=F .001**  
+Page [Page] of [Pages]
+
+## Sales Contract
+
+- **Yes**
+  - **No**
+    - **Contract Price**: 20.004
+- **Is there a sales contract?**: 20.000L] LI
+  - **Contract Date**: 20.005
+- **Was sales contract information analyzed?**: 20.001L) LJ
+  - **Transfer Terms**: 20.006
+- **Does this appear to be an arm’s length transaction?**: sore L
+  - **Personal Property Conveyed**: 20.007
+- **Non-Arm’s Length Commentary**: 20.003
+  - Personal property is not included in the appraiser’s final opinion of value
+- **Financial Sales Concessions**: Financial assistance paid by or on behalf of the seller as an inducement to purchase the subject property
+  - **Known Sales Concessions**: 20.008
+  - **Total Sales Concessions**: 20.009
+  - **Typical for Market**: 20.010
+
+## Sales Contract Analysis
+
+20.011
+
+## Sales Contract Exhibits
+
+20.012.1 | 20.012.2
+
+## Appraisal Version
+
+**# HF.002**
+
+- **Appraiser ReferenceID**: HF.005
+- **Agency Case FileID**: = HF.006
+- **Client ReferenceID**: HF.007
+- **Fannie Mae | Freddie Mac**: HF.003
+- **AMC ReferenceID**: HF.008
+- **September 2024**: HF.004
+
+```````markdown
+# 21
+
+## Uniform Residential Appraisal Report = 1F.001
+
+Page [Page] of [Pages]
+
+### Prior Sale and Transfer History
+
+#### Subject Transfer History
+
+**Prior sales and/or transfers of the subject property (minimum 3 year look back)**  
+**Prior Sales or Transfers**: 21.000
+
+| Data Source | Transfer Terms | Date   | Amount | Data Source |
+| ----------- | -------------- | ------ | ------ | ----------- |
+| 21.001      | 21.002         | 21.003 | 21.004 | 21.005      |
+
+**Analysis of Prior Sale and Transfer History of Subject Property**: 21.006
+
+#### Comparable Transfer History
+
+**Prior sales and/or transfers of the comparable properties from the ‘Sales Comparison Approach’ section (minimum 1 year look back)**
+
+| #   | Transfer Terms | Date   | Amount | Data Source |
+| --- | -------------- | ------ | ------ | ----------- |
+| 007 | 21,008         | 21.009 | 21.010 | 21.011      |
+
+**Analysis of Prior Sale and Transfer History of Comparable Sales**: 21.012
+
+### Prior Sale and Transfer History Exhibits
+
+21.013.1 | 21.013.2
+
+---
+
+**Appraisal Version #**: HF.002  
+**Appraiser ReferenceID**: HF.005  
+**Agency Case FileID**: = HF.006  
+**Fannie Mae | Freddie Mac**: HF.003  
+**Client ReferenceID**: HF.007
+
+**September 2024**: HF.004  
+**AMC ReferenceID**: HF.008
+
+```````markdown
+# Uniform Residential Appraisal Report HF.001
+
+Page [Page] of [Pages]
+
+## Sales Comparison Approach
+
+### Subject Property Comparable # 22.01.16 Comparable # Comparable
+
+#### General Information
+
+| Property Address | 22.01.01   | 22.01.17   |
+| ---------------- | ---------- | ---------- |
+|                  | 22.01.01.1 | 22.01.17.1 |
+
+| Days on Market           | 22.01.07 | 22.01.34 |
+| ------------------------ | -------- | -------- |
+| Sale to List Price Ratio | 22.01.35 | 22.01.36 |
+
+| Attached/Detached         | 22.01.08 | 22.01.37 | 22.01.38 |
+| ------------------------- | -------- | -------- | -------- |
+| Property Rights Appraised | 22.01.09 | 22.01.39 | 22.01.40 |
+
+#### Native American Lands
+
+- All Rights Included
+- Rights Not Included | 22.01.18 |
+
+| Same Builder as Subject | 2.0147   |
+| ----------------------- | -------- | -------- | -------- |
+|                         | 22.01.14 | 22.01.48 | 22.01.49 |
+
+#### Project Name
+
+| Same               | 22.02.01 | 22.02.06 |
+| ------------------ | -------- | -------- |
+| Project as Subject |
+
+| Monthly Fee               | 22.02.02 | 22.02.07 |
+| ------------------------- | -------- | -------- |
+| Common Amenities/Services | 22.02.03 | 22.02.08 |
+
+| Special Assessments | 22.02.04 | 22.02.09 |
+
+### Site
+
+| Neighborhood Name | 22.03.03 | 22.03.22 | 22.03.23 |
+| ----------------- | -------- | -------- | -------- |
+
+| Site Size | po  |
+| --------- | --- |
+
+| Topography | po  |
+| ---------- | --- |
+
+#### Conditions
+
+- Water Frontage with Private Access
+
+| Water Frontage               | 22.04.01 | 22.04.06 |
+| ---------------------------- | -------- | -------- |
+| Permanent Waterfront Feature | 22.04.02 | 22.04.07 |
+| Right to Build               | 22.04.03 | 22.04.08 |
+| Total Linear Measurement     | 22.04.04 | 22.04.09 |
+
+---
+
+**Appraisal Version#**: HF.002  
+**Appraiser ReferenceID**: HF.005  
+**Agency Case FileID**: HF.006  
+**Fannie Mae | Freddie Mac**: HF.003  
+**Client ReferenceID**: HF.007
+
+**September 2024**: HF.004  
+**AMC ReferenceID**: HF.008
+
+```````markdown
+# Uniform Residential Appraisal Report F.001
+
+## Property Address
+
+### Dwelling(s)
+
+#### Subject Property Comparable
+
+Page [Page] of [Pages]
+
+| Comparable #                 | Comparable # |
+| ---------------------------- | ------------ | -------- | -------- | --- | --- |
+| Year Built                   | 22.05.21     | 2205.228 | S        | $   |
+| Structure Design             | 22.05.23     | 22.05.24 | SSS      | $   |
+| Gross Building Finished Area | 22.05.04     | 22.05.25 | 22.05.26 | $   | $   |
+| Noncontinuous                | 22.05.27     | 22.05.28 | $        |     |
+| Finished Area                |              |          |          |     |
+
+| Townhouse Back to Back | 22.05.07 | 22.05.31 | 22.05.32 | $ | $ |
+| Townhouse Location | 22.05.33 | 22.05.34 | $ | |
+| Construction Method | 22.05.35 | 22.05.36 | pf | $ |
+| Manufactured Home Width | 22.05.10 | 22.05.37 | 22.05.38 | $ | $ |
+| Dwelling Style | 22.05.39 | 22.05.408 | $ | |
+| Window Surface Area | 22.05.13 | 22.05.43 | 22.05.44 | $ | > |
+| Functional Issues | 22.05.45 | 22.05.46 | $ | |
+| Disaster Mitigation | 22.05.15 | 22.05.47 | 22.05.48 | SS | $ |
+| Heating | 22.05.16 | 22.05.49 | 22.05.50 | $ | $ |
+| Cooling | 22.05.51 | 22.05.52 | $ | |
+| 22.05.18 | 22.05.19 | 22.05.53 | 22.05.54 | $ | $ |
+| Energy Efficient and Green Features | Po | g | |
+
+### Renewable Energy Component
+
+| 22.06.01 | 22.06.05 |
+| -------- | -------- |
+
+### Building Certification Efficiency Rating
+
+| 22.06.02 | 22.06.06 |
+| -------- | -------- |
+| 22.06.03 | 22.06.07 |
+
+### Unit(s)
+
+| Floor Number | 22.07.03 | 22.07.20 | 22.07.21 | $ | $ |
+| Corner Unit | 22.07.22 | 22.07.2838 | $ | |
+| Bedrooms | 22.07.06 | 22.07.26 | 22.07.27 | $ | $ |
+| Baths - Full | Half | 22.07.28 | 22.07.29 | § |
+| Finished Area Above Grade | 22.07.08 | 22.07.30 | 22.07.315 | $ | $ |
+| Finished Area Above | 22.07.09 | 22.07.32 | 22.07.33 | § | $ |
+| Grade (Nonstandard) | Grade | | | |
+| Finished Area Below Grade | 22.07.11 | 22.07.36 | 22.07.37 | a | $ |
+| Finished Area Below Grade (Nonstandard) | 22.07.12 | 22.07.38 | 22.07.39 | |
+| Below Grade | 22.07.13 | 22.07.40 | 22.07.41 | |
+| Features for Individuals | $ | pS | |
+| w/Disabilities | 22.07.14 | 22.07.42 | 22.07.43 | |
+
+| 22.07.15 | 22.07.16 | 22.07.44 | 22.07.45 | $ | $ |
+
+### Quality and Condition (Ratings: 1-6, 1 is highest)
+
+#### Exterior Quality and Condition
+
+| Structure ID | 22.08.01 | ozo |
+| Quality | 22.08.02 | 22.08.17 | —EEE |
+| Foundation | 2208.04 | fr | zzoatg | fF |
+| Windows | 22.08.06 | 22.08.21 | |
+
+| 22.08.07 | 220.08 | fi | zzonz2 | fF |
+| Condition | 22.08.09 | 22.08.23 | —EEE |
+| Foundation | pe2o8.t1 | fz | |
+| Windows | 22.08.13 | 22.08.27 | |
+
+| 22.08.14 | 22.08.15 | zzozp | |
+
+## Appraisal Version # HF.002
+
+### Fannie Mae | Freddie Mac
+
+September 2024
+
+| HF.003 | HF.004 |
+| ------ | ------ |
+
+| HF.005 | HF.006 | HF.007 | HF.008 |
+| ------ | ------ | ------ | ------ |
+
+### Appraiser Reference ID
+
+### Agency Case File ID
+
+### Client Reference ID
+
+### AMC Reference ID
+
+```````markdown
+# Uniform Residential Appraisal Report F.001
+
+Page [Page] of [Pages]
+
+| Subject Property | Comparable # | Comparable # | Comparable # |
+| ---------------- | ------------ | ------------ | ------------ |
+| Property Address |              |              |              |
+
+## Interior Quality and Condition
+
+| Structure ID          | Unit ID 22.09.02 | 22.09.18 |
+| --------------------- | ---------------- | -------- |
+| **Overall Bathrooms** | 22.09.05         | 22.09.21 |
+| **Quality**           | 22.09.03         | 22.09.19 |
+| **Kitchen**           | 22.09.04         | 22.09.20 |
+| **Overall Flooring**  | 22.09.06         | 22.09.22 |
+| **Walls and Ceiling** | 22.09.07         | 22.09.23 |
+| **Condition**         | 22.09.10         | 22.09.25 |
+| **Kitchen**           | 22.09.11         | 22.09.26 |
+| **Overall Bathrooms** | 22.09.12         | 22.09.27 |
+| 22.09.08              | 22.09.09         | 22.09.24 |
+| **Overall Flooring**  | 22.09.13         | 22.09.28 |
+| **Walls and Ceiling** | 22.09.14         | 22.09.29 |
+| 22.09.15              | 22.09.16         | 22.09.30 |
+
+## ADU Interior Quality and Condition
+
+| **Location of ADU**   | 22.10.01 | 22.10.16 |
+| --------------------- | -------- | -------- |
+| **Quality**           | 22.10.02 | 22.10.17 |
+| **Kitchen**           | 22.10.03 | 22.10.18 |
+| **Overall Bathrooms** | 22.10.04 | 22.10.19 |
+| **Overall Flooring**  | 22.10.05 | 22.10.20 |
+| **Condition**         | 22.10.09 | 22.10.23 |
+| **Walls and Ceiling** | 22.10.06 | 22.10.21 |
+| 22.10.07              | 22.10.08 | 22.10.22 |
+| **Kitchen**           | 22.10.10 | 22.10.24 |
+| **Overall Bathrooms** | 22.10.11 | 22.10.25 |
+| **Overall Flooring**  | 22.10.12 | 22.10.26 |
+| **Walls and Ceiling** | 22.10.13 | 22.10.27 |
+| 22.10.14              | 22.10.15 | 22.10.28 |
+
+## Overall Quality and Condition (Ratings: 1-6, 1 is highest)
+
+### Quality
+
+| 22.11.02 | 22.11.05 | 22.11.06 $ |
+| -------- | -------- | ---------- |
+
+### Condition
+
+## Property Amenities
+
+### Outdoor Accessories
+
+### Outdoor Living
+
+| 22.11.01 gtios —earroas{ | sf  |
+| ------------------------ | --- |
+
+| 22.12.01 | 22.1206 jaaazo7s |     | Sf  |
+| -------- | ---------------- | --- | --- |
+
+| Ur  |     |
+| --- | --- |
+
+### Water Features
+
+### Whole Home
+
+| 22.12.04 | 22.12.12 | 22.12.13 $ |
+| -------- | -------- | ---------- |
+
+| 22.12.05 | 22.12.14 | 22.12.15 $ |
+| -------- | -------- | ---------- |
+
+### Miscellaneous
+
+| 22.12.03 | 22.12.10 | 22.12.11 |
+| -------- | -------- | -------- |
+
+| 22.13.05 |     |
+| -------- | --- |
+
+### Vehicle Storage
+
+| Type | Spaces | Detail 22.13.01 |
+| ---- | ------ | --------------- |
+
+| 22.13.02 | 22.13.03 | 22.13.06 |
+| -------- | -------- | -------- |
+
+## Outbuilding (ADU and vehicle storage are not included in Finished Area, Unfinished Area, or room counts)
+
+| Outbuilding Type    | 22.14.01 | 22.14.14 | 22.14.15$§ |
+| ------------------- | -------- | -------- | ---------- |
+| Gross Building Area | 22.14.02 | 22.14.16 |
+| Structure Volume    | 22.14.05 | 22.14.19 |
+| Finished Area       | 22.14.03 | 22.14.17 |
+| Unfinished Area     | 22.14.04 | 22.14.18 |
+| Baths - Half        | 22.14.07 | 22.14.21 |
+| Heating             | 22.14.09 | 22.14.23 |
+| Utilities           | 22.14.11 | 22.14.25 |
+| 22.14.12            | 22.14.13 | 22.14.26 |
+
+## Appraisal Version # HF.002
+
+| Appraiser ReferenceID | HF.005      |
+| --------------------- | ----------- | ------ |
+| Agency Case FileID    | HF.006      |
+| Fannie Mae            | Freddie Mac | HF.003 |
+| Client Reference ID   | HF.007      |
+
+| September 2024  | HF.004 |
+| --------------- | ------ |
+| AMC ReferenceID | HF.008 |
+
+```````markdown
+# Uniform Residential Appraisal Report
+
+[ADDRESS] 1.000
+
+## SUMMARY
+
+- **Opinion of Market Value**: 1.001
+
+  - 1.085 (Cooperative Interest)
+  - **Market Value Condition**: 1.009
+
+- **Final Value Condition Statement**: .002
+
+- **Effective Date of Appraisal**: 1.003
+- **Property Valuation Method**: 1.010
+- **Assignment Reason**: 1.004
+- **Appraiser Name**: 1.011
+- **Borrower Name**: 1.005
+- **Current Owner of Public Record**: 4 0906
+- **Contract Price**: 1.007
+- **Listing Status**: 1.008
+
+## Property Description
+
+- **Construction Method**: 1.012
+- **Overall Quality**: 1.030
+- **Attachment Type**: 1.013
+- **Overall Condition**: 1.031
+- **Structure Design**: 1.014
+
+| **Yes**                              | **No**  |
+| ------------------------------------ | ------- |
+| Planned Unit Development (PUD) 1.015 | T] L    |
+| Condominium 1.016                    | LJ} C]  |
+| Cooperative 1.017                    | E] C    |
+| Condop 1.018                         | O       |
+| Observed Project Deficiencies 1.019  | L)      |
+| Subject Site Owned in Common 1.020   | L] LJ ™ |
+| Units Excluding ADUs 1.021           | 1.000   |
+| Accessory Dwelling Units 1.022       |
+| Property Rights Appraised 1.023      |
+
+1.024 **Yes** | **No**  
+Is the highest and best use of the subject property as LJ improved (or as proposed per plans and specifications) the present use?
+
+- **Property Restriction**: 1.025
+- **Encroachment**: 1.026
+- **Zoning Compliance**: 1.027
+- **HUD Data Plate Attached**: 1.028
+- **HUD Label Present for All Sections**: 1.029
+
+## Appraisal Details
+
+- **Appraisal Version #**: HF.002
+- **Appraiser ReferenceID**: HF.005
+- **Agency Case FileID**: HF.006
+- **Fannie Mae | Freddie Mac**: HF.003
+- **Client ReferenceID**: HF.007
+- **September 2024**: HF.004
+- **AMC ReferenceID**: HF.008
+
+```````markdown
+# Uniform Residential Appraisal Report = HF.001
+
+Page [Page] of [Pages]
+
+## Sales Comparison Map
+
+| 22.18.01.1 |
+
+**Appraisal Version #** HF.002  
+**Appraiser Reference ID** HF.005  
+**Agency Case FileID** = HF.006  
+**Fannie Mae|FreddieMac** = \_HF.003  
+**Client ReferenceID** = HF.007
+
+**September 2024** HF.004  
+**AMCReferenceID** = HF .008
+
+```````markdown
+# Uniform Residential Appraisal Report HF.001
+
+Page [Page] of [Pages]
+
+## Sales Comparison Approach Exhibits
+
+### Comparable # 22.01.16
+
+Comparable #  
+22.01.16.1 | 22.01.16.2
+
+### Comparable
+
+- **Appraisal Version #**: HF.002
+- **Appraiser Reference ID**: HF.005
+- **Agency Case File ID**: HF.006
+- **Fannie Mae | Freddie Mac**: HF.003
+- **Client Reference ID**: HF.007
+
+**September 2024** HF.004
+
+- **AMC Reference ID**: HF.008
+
+```````markdown
+# Uniform Residential Appraisal Report
+
+**F.001**  
+Page [Page] of [Pages]
+
+## Rental Information
+
+### Rent Schedule
+
+#### Subject Property Rental Information
+
+| Utilities/ | Currently | Monthly  | Month-to- | Rent        | Rent     | Services    |
+| ---------- | --------- | -------- | --------- | ----------- | -------- | ----------- | -------- | --------- | -------- | -------- |
+| Rented     | Occupancy | Rent     | Month     | Lease Start | Control  | Concessions | Included | Furnished |
+| [Unit 23]  | 01.01     | 23.01.02 | 23.01.03  | 23.01.04    | 23.01.05 | 23.01.06    | 23.01.07 | 23.01.08  | 23.01.09 | 23.01.10 |
+
+**Description of Rent Control and Impact to Value/Marketability:** 23.01.11
+
+| Actual Income (Monthly) | Opinion of Market Income (Monthly) |
+| ----------------------- | ---------------------------------- | ------------ | ----------------- | -------- | -------- |
+| Rent                    | Rent                               |
+| [Unit Identifier]       | 23.01.12                           | 23.01.13     | [Unit Identifier] | 23.01.19 | 23.01.20 |
+| **Subtotal**            | 23.01.14                           | **Subtotal** | 93.01.21          |
+
+| Other Real Property Rental Income | Other Real Property Rental Income |
+| --------------------------------- | --------------------------------- | ------------ | -------- |
+| 23.01.15                          | 23.01.16                          | 23.01.22     | 23.01.23 |
+| **Subtotal**                      | 23.01.17                          | **Subtotal** | 23.01.24 |
+| 23.01.18                          | 23.01.25                          |
+
+### Comparable Rental Properties
+
+| LO"        | LO"        | LO" | LO" | LO" | LO" |
+| ---------- | ---------- | --- | --- | --- | --- |
+| 23.02.01.1 | 23.02.03.1 |
+
+| Subject Property | Comparable # | Comparable # | Comparable # | Comparable # | Comparable # |
+| ---------------- | ------------ | ------------ | ------------ | ------------ | ------------ |
+| 23.02.02         | 23.02.01     | 23.02.03     |
+
+| Data Source: | Data Source: | Data Source: | Data Source: | Data Source: |
+| ------------ | ------------ | ------------ | ------------ | ------------ |
+| 23.02.04     |
+
+| Lease Start Date: | Lease Start Date: | Lease Start Date: | Lease Start Date: | Lease Start Date: |
+| ----------------- | ----------------- | ----------------- | ----------------- | ----------------- |
+| 23.02.05          |
+
+| Actual Rent: | Actual Rent: | Actual Rent: | Actual Rent: | Actual Rent: |
+| ------------ | ------------ | ------------ | ------------ | ------------ |
+| 23.02.06     |
+
+---
+
+**Appraisal Version #:** HF.002  
+**Appraiser Reference ID:** HF.005  
+**Agency Case File ID:** HF.006  
+**Fannie Mae | Freddie Mac:** HF.003  
+**Client Reference ID:** F007
+
+**September 2024**  
+**AMC Reference ID:** F.908
+
+```````markdown
+# Uniform Residential Appraisal Report
+
+## Comparable Rental Analysis
+
+### Subject
+
+- **23.03.01[Unit Identifier]**: #23.03.24
+- **HF.001**
+
+### Comparables
+
+- **# #**
+- **Page [Page] of [Pages]**
+- **Subject Comparables**
+  - **[Unit Identifier]**: # # #
+  - **Proximity to Subject**
+  - **Neighborhood Name**
+  - **Project Name**
+    - 23.03.25
+    - 23.03.02 23.03.26
+    - 23.03.03 23.03.27
+  - **Project Common Amenities/Services**
+    - 23.03.28
+    - 23.03.04
+  - **Site Influence**
+    - **View from Unit**
+      - 23.03.05 23.03.29
+      - 23.03.06 23.03.30
+    - **Floor Number**
+      - 23.03.07 23.03.31
+    - **Site Size**
+    - **Grade Level**
+      - 23.03.08 23.03.32
+      - 23.03.09 23.03.33
+  - **Interior Condition**
+    - 23.03.10 23.03.34
+  - **Bedrooms**
+  - **Baths - Full | Half**
+    - 23.03.11 23.03.35
+    - 23.03.12 23.03.36
+  - **Finished Area**
+    - 23.03.13 23.03.37
+  - **Furnished**
+  - **Utilities/Services Included**
+    - 23.03.14 23.03.38
+    - 23.03.15 23.03.39
+  - **Rent Control**
+    - 23.03.16 23.03.40
+  - **Rent Concessions**
+  - **Vehicle Storage | Spaces**
+    - 23.03.17 23.03.41
+    - 23.03.18 23.03.42
+    - 23.03.19
+    - 23.03.20 23.03.43
+
+### Summary
+
+- **Rent Per Finished Area**
+  - 23.03.21 23.03.44
+- **Actual Rent**
+  - 23.03.22 23.03.45
+- **Overall Comparison to Subject**
+- **Adjusted Rent**
+  - 23.03.46
+- **Opinion of Market Rent**
+  - 230347 | |
+- **Comparable Weight**
+- **Proximity to Subject**
+  - 23.03.23
+
+### [Unit Identifier]
+
+#### Subject Comparables
+
+- **Subject Comparables**
+  - **[Unit Identifier]**
+  - **Neighborhood Name**
+  - **Project Name**
+  - **Site Influence**
+    - **View from Unit**
+    - **Floor Number**
+  - **Project Common Amenities/Services**
+  - **Site Size**
+  - **Grade Level**
+  - **Interior Condition**
+  - **Bedrooms**
+  - **Baths - Full | Half**
+  - **Finished Area**
+  - **Furnished**
+  - **Utilities/Services Included**
+  - **Rent Control**
+  - **Rent Concessions**
+  - **Vehicle Storage | Spaces**
+
+### Summary
+
+- **Rent Per Finished Area**
+- **Actual Rent**
+- **Overall Comparison to Subject**
+- **Adjusted Rent**
+- **Opinion of Market Rent**
+- **Comparable Weight**
+
+### Appraisal Version # HF.002
+
+- **Fannie Mae | Freddie Mac HF.003**
+- **September 2024**
+- **HF.004**
+- **Appraiser ReferenceID HF.005**
+- **Agency Case FileID HF.006**
+- **Client Reference ID |4F 907**
+- **AMC ReferenceID YF 908**
+
+```````markdown
+# Uniform Residential Appraisal Report
+
+**HF.001**  
+Page [Page] of [Pages]
+
+## Rental Analysis Commentary
+
+**23.04.01**
+
+### Rental Information Exhibits
+
+- **Comparable #**  
+  **23.05.03**  
+  **Comparable #**  
+  **23.02.03.1 | 23.02.03.2**
+
+- **Comparable #**  
+  **Comparable #**
+
+- **Comparable #**  
+  **23.05.01.1 | 23.05.01.2**  
+  **23.05.02.1 | 23.05.02.2**
+
+---
+
+**Appraisal Version #** HF.002  
+**Appraiser ReferenceID** HF.005  
+**Agency Case FileID** HF.006  
+**Fannie Mae | Freddie Mac** HF.003  
+**Client ReferenceID** F007
+
+**September 2024** HF.004  
+**AMCReferenceID** |iF 008
+
+```````markdown
+# Uniform Residential Appraisal Report — F.001
+
+Page [Page] of [Pages]
+
+## Cost Approach
+
+- **Indicated Value by Cost Approach**: 25.000
+- **Depreciated Cost of Dwellings**: 25.001
+- **Depreciated Cost of Outbuildings**: 25.002
+- **As Is Value of Site Improvements**: 25.003
+- **Opinion of Site Value**: 25.004
+
+### Depreciated Cost - Dwelling - [Structure Identifier]
+
+- **25.005**
+- **25.006 25.007 @ 25.008 25.009**
+- **Physical Depreciation**: 25.010 25.011
+- **Functional Depreciation**: 25.012 25.013
+- **External Depreciation**: 25.014 25.015
+- **Total Depreciation**: 25.016
+- **Manufactured Home Delivery, Installation, and Set Up**: 25.017
+
+### Remaining Economic Life
+
+- **25.019**
+- **Effective Age**: 25.020
+
+#### Commentary on Remaining Economic Life
+
+#### Commentary on Effective Age
+
+- **25.022**
+
+### Depreciated Cost - Outbuilding - [Outbuilding Type]
+
+- **25.023**
+- **25.024 25.025 @ 25.026 25.027**
+- **Physical Depreciation**: 25.028 25.029
+- **Functional Depreciation**: 25.030 25.031
+- **External Depreciation**: 25.032 25.033
+- **Total Depreciation**: 25.034
+- **Manufactured Home Delivery, Installation, and Set Up**: 25.035
+
+### As Is Value of Site Improvements
+
+| Description | Amount |
+| ----------- | ------ |
+| 25.037      | 25.038 |
+
+### Site Value
+
+- **Primary Site Valuation Method**: 25.040
+- **Opinion of Site Value**
+
+### Land Comparables
+
+| Assessor Parcel # | Address | County | Data Source | Number (APN) | Site Size | Sale Date | Price |
+| ----------------- | ------- | ------ | ----------- | ------------ | --------- | --------- | ----- |
+| 25.042, 25.043    | 25.044  | 25.045 | 25.046      | 25.047       | 25.048    | 25.049    |       |
+
+### Reconciliation of Site Value
+
+- **25.050**
+
+### General Description
+
+- **Cost Type**: 25.051
+- **Cost Method**: 25.055
+- **Cost Data Source**: 25.052
+- **Depreciation Method**: 25.056
+- **Quality Rating**: 25.053
+- **Effective Date**: 25.054
+
+### Cost Approach Commentary
+
+- **25.057**
+
+### Cost Approach Exhibits
+
+- **25.058.1 | 25.058.2**
+- **25.059.1**
+
+### Appraisal Details
+
+- **Appraisal Version#**: HF.002
+- **Appraiser ReferenceID**: HF.005
+- **Agency Case FileID**: HF.006
+- **Fannie Mae | Freddie Mac**: HF.003
+- **Client ReferenceID**: HF.007
+- **September 2024**: HF.004
+- **AMC ReferenceID**: HF.008
+
+```````markdown
+# Uniform Residential Appraisal Report HF.001
+
+Page [Page] of [Pages]
+
+## Apparent Defects, Damages, Deficiencies Requiring Action
+
+The items listed below represent the _As Is_ condition as of the effective date of this report **1.032**.
+
+| Affects Soundness or Structural Integrity                      | Feature Location | Description | Recommended Action | Estimated Cost to Repair |
+| -------------------------------------------------------------- | ---------------- | ----------- | ------------------ | ------------------------ | ----- |
+| **Site**                                                       |                  |             |                    |                          |
+| 1.033                                                          | 1.034            | 1.035       | 1.036              | 1.037                    | 1.038 |
+| **Dwelling Exterior - [Structure Identifier]**                 |                  |             |                    |                          |
+| 1.040                                                          | 1.041            | 1.042       | 1.043              | 1.044                    | 1.045 |
+| **Unit Interior - [Structure Identifier] - [Unit Identifier]** |                  |             |                    |                          |
+| 1.048                                                          | 1.049            | 1.050       | 1.051              | 1.052                    | 1.053 |
+| **Outbuilding - [Outbuilding Type]**                           |                  |             |                    |                          |
+| 1.055                                                          | 1.056            | 1.057       | 1.058              | 1.059                    | 1.060 |
+| **Unit Interior - [Outbuilding Type] - [Unit Identifier]**     |                  |             |                    |                          |
+| 1.063                                                          | 1.064            | 1.065       | 1.066              | 1.067                    | 1.068 |
+| **Vehicle Storage**                                            |                  |             |                    |                          |
+| 1.069                                                          | 1.070            | 1.071       | 1.072              | 1.073                    | 1.074 |
+| **Subject Property Amenities**                                 |                  |             |                    |                          |
+| 1.075                                                          | 1.076            | 1.077       | 1.078              | 1.079                    | 1.080 |
+
+### Total Cost
+
+**As Is Overall Condition Rating 1.082**  
+**Total Estimated Cost of Items**
+
+Existing condition of the property as of the effective date of this appraisal, excluding all required repairs, alterations, or inspections.  
+**Recommended for Repair 1.083**
+
+There are no apparent defects, damages, or deficiencies requiring action. For details, reference the ‘Reconciliation’ section. **1.084**
+
+---
+
+**Appraisal Version # HF.002**  
+**Appraiser Reference ID HF.005**  
+**Agency Case FileID HF.006**  
+**Fannie Mae | Freddie Mac HF.003**  
+**Client ReferenceID HF.007**
+
+**September 2024 HF.004**  
+**AMC ReferenceID HF.008**
+
+```````markdown
+# Uniform Residential Appraisal Report 4F.001
+
+Page [Page] of [Pages]
+
+## 29.000
+
+### 29.001
+
+This appraisal report is subject to the following scope of work, intended use, intended user, definition of market value, statement of assumptions and limiting conditions, and certifications. Modifications, additions, or deletions to the definition of market value or assumptions and limiting conditions are not permitted. The appraiser may expand the scope of work to include any additional research or analysis necessary based on the complexity of this appraisal assignment. Modifications or deletions to Intended Use, Intended User, and the certifications are also not permitted. However, additional Intended Use, Intended User, and certifications that do not constitute material alterations to this appraisal report, such as those required by law or those related to the appraiser’s continuing education or membership in an appraisal organization, are permitted.
+
+## Scope of Work
+
+The scope of work for this assignment is based on the applicable assignment elements, including: the client and any other intended users, the intended use, the definition of market value that follows, the effective date, the subject property and its relevant characteristics, and the applicable assignment conditions. The appraiser must, at a minimum: (1) obtain and review adequate and reliable information for the subject property; (2) research, verify, and analyze adequate and reliable data for the subject market area including data for each comparable property reported; and (3) report his or her analyses, opinions, and conclusions in this appraisal report.
+
+### 29.002 Additional Scope of Work
+
+Additional Scope of Work cannot be contrary to the original Scope of Work.
+
+### 29.003
+
+## Intended Use
+
+### 29.004
+
+The intended use of the opinions and conclusions contained in this appraisal report is for the intended user to evaluate the property that is the subject of this appraisal for a mortgage finance transaction or related activities.
+
+### 29.005
+
+The intended use of the appraisal is solely to assist FHA in assessing the risk of the Property securing the FHA-insured Mortgage (24 CFR § 200.145(b)).
+
+### 29.006 Additional Intended Use
+
+Additional Intended Use cannot be contrary to the original Intended Use.
+
+### 29.007
+
+## Intended User
+
+### 29.008
+
+The intended user of this report is the lender/client.
+
+### 29.009
+
+FHA and the Mortgagee are the intended users of this report.
+
+The USDA and any other identified lender/client are intended users of this report.
+
+The VA is also an intended user of this report.
+
+### 29.010 Additional Intended Users
+
+Additional Intended Users cannot be contrary to the original Intended User.
+
+### 29.011
+
+## Definition of Market Value
+
+### 29.012
+
+The most probable price that a property should bring in a competitive and open market under all conditions requisite to a fair sale with the buyer and seller each acting prudently and knowledgeably, and assuming the price is not affected by undue stimulus. Implicit in this definition is the consummation of a sale as of a specified date and the passing of title from seller to buyer under conditions whereby: (1) buyer and seller are typically motivated; (2) both parties are well informed or well advised, and each acting in what he or she considers his or her own best interest; (3) a reasonable time is allowed for exposure in the open market; (4) payment is made in terms of cash in U.S. dollars or in terms of financial arrangements comparable thereto; and (5) the price represents the normal consideration for the property sold unaffected by special or creative financing or sales concessions\* granted by anyone associated with the sale.
+
+### 29.013
+
+\*Adjustments to the comparables must be made for special or creative financing or sales concessions. No adjustments are necessary for costs that are normally paid by sellers as a result of tradition or law in a market area; these costs are readily identifiable because the seller pays these costs in virtually all sales transactions. Special or creative financing adjustments can be made to the comparable property by comparisons to financing terms offered by a third-party institutional lender that is not already involved in the property or transaction. Any adjustment should not be calculated on a mechanical dollar-for-dollar cost of the financing or concession, but the dollar amount of any adjustment should approximate the market's reaction to the financing or concessions based on the appraiser's judgment.
+
+## Statement of Assumptions and Limiting Conditions
+
+### 29.014
+
+The appraiser assumes that the title is good and marketable unless he or she becomes aware of information to the contrary.
+
+### 29.015
+
+If the appraiser has included a sketch or floor plan in this appraisal report, it shows the approximate dimensions and is included only to assist the reader in visualizing the property and understanding the appraiser’s determination of its size.
+
+---
+
+**Appraisal Version #** HF.002  
+**Appraiser Reference ID** HF.005  
+**Agency Case File ID** HF.006  
+**Fannie Mae | Freddie Mac** HF.003  
+**Client Reference ID** HF.007
+
+**September 2024** HF.004  
+**AMC Reference ID** HF.008
+
+```````markdown
+# Uniform Residential Appraisal Report HF.001
+
+Page [Page] of [Pages]
+
+## 29.016
+
+The appraiser has relied on data provided by third parties in this appraisal report. Such data may include, but is not limited to, floor plans, flood maps, multiple listing real estate services, tax assessment records, public land records, satellite imagery, virtual street views, property data services, surveys, engineering reports, and property data aggregations. After examination of the data and data sources, the appraiser has used only the data he or she considers reliable. The appraiser assumes there are no material omissions in the data relied upon and makes no guarantees, express or implied, regarding their accuracy. If the source date is prior to the effective date of the appraisal, the appraiser assumes the property characteristics and supporting information have not changed in the interim.
+
+## 29.017
+
+The appraiser will not be required to give testimony or appear in court because he or she made an appraisal of the property in question, unless specific arrangements to do so have been made beforehand, or as otherwise required by law.
+
+## 29.018
+
+The appraiser has noted in this appraisal report any adverse conditions (such as needed repairs, deterioration, the presence of hazardous wastes, toxic substances, etc.) that the appraiser became aware of during the development of this appraisal. Unless otherwise stated in this appraisal report, the appraiser has no knowledge of any hidden or unapparent physical deficiencies or adverse conditions of the property (such as, but not limited to, needed repairs, deterioration, the presence of hazardous wastes, toxic substances, adverse environmental conditions, etc.) that would make the property less valuable, and assumes that there are no such conditions and makes no guarantees or warranties, express or implied. The appraiser will not be responsible for any such conditions that do exist or for any engineering or testing that might be required to discover whether such conditions exist. Because the appraiser is not an expert in the field of environmental hazards, this appraisal report must not be considered as an environmental assessment of the property.
+
+## 29.019
+
+The FHA Appraiser does not guarantee that the Property is free from defects. The appraisal establishes the value of the Property for mortgage insurance purposes only.
+
+---
+
+# Certifications
+
+## Appraiser Certifications
+
+### 29.020
+
+The Appraiser certifies and agrees that:
+
+### 29.021
+
+1. I have no present or prospective interest in the property that is the subject of this report, or relationship with the present or prospective owners or occupants of the subject property, or other parties involved in this transaction.
+
+### 29.022
+
+2. I performed this assignment without bias with respect to the parties involved in this transaction, the property that is the subject of this report, or the demographics of the area where the property is located.
+
+### 29.023
+
+3. I am aware of and have complied with all applicable laws and regulations including antidiscrimination laws, rules, and requirements that apply to the appraiser and to the assignment.
+
+### 29.024
+
+4. I did not base any part of my appraisal on the actual or perceived race, color, religion, sex (including sexual orientation or gender identity), age (other than as applicable for legally age-restricted communities), marital status, disability, familial status, or national origin of the present or prospective owners or occupants of either the subject property or properties in the area of the subject property or on any other basis prohibited by the Fair Housing Act or the Equal Credit Opportunity Act, or any other basis prohibited by law.
+
+### 29.025
+
+5. I stated in this appraisal report my own personal, unbiased, and professional analyses, opinions, and conclusions, which are subject only to the assumptions and limiting conditions in this appraisal report.
+
+### 29.026
+
+6. I have, at a minimum, developed and reported this appraisal in accordance with the scope of work requirements stated in this appraisal report.
+
+### 29.027
+
+7. I meet the credential requirements for this assignment as of the date of this appraisal report and have knowledge and experience in appraising this type of property in this market area.
+
+### 29.028
+
+8. I am aware of, and have access to, the necessary and appropriate public and private data sources, such as multiple listing services, tax assessment records, public land records, and other such data sources for the area in which the property is located.
+
+### 29.029
+
+9. I obtained the information, estimates, and opinions furnished by other parties and expressed in this appraisal report from reliable sources that I believe to be true and correct.
+
+### 29.030
+
+10. I personally performed an onsite inspection of the interior and exterior areas of the subject property. I reported the readily observable condition of the improvements in factual, specific terms. I identified and reported any known physical deficiencies that could affect the soundness or structural integrity of the property.
+
+11. I personally performed an inspection of the exterior areas of the subject property from at least the street. I reported the readily observable condition of the improvements in factual, specific terms. I reported any known physical deficiencies that could affect the soundness or structural integrity of the property.
+
+12. I did not personally perform an onsite inspection of the subject property as part of this appraisal assignment. I reported the condition of the improvements in factual, specific terms, relying on subject property information data sources I considered reliable. I reported any known physical deficiencies that could affect the soundness or structural integrity of the property.
+
+### 29.031
+
+11. I performed this appraisal in accordance with the requirements of the Uniform Standards of Professional Appraisal Practice that were adopted and promulgated by the Appraisal Standards Board of The Appraisal Foundation and that were in place at the time this appraisal report was transmitted.
+
+### 29.032
+
+12. Using information available in the normal course of business, I researched, verified, analyzed, and reported on any current agreement for sale for the subject property, any offering for sale of the subject property in the twelve months prior to the effective date of this appraisal, and the prior sales of the subject property for a minimum of three years prior to the effective date of this appraisal.
+
+---
+
+Appraisal Version # HF.002  
+Appraiser Reference ID HF.005  
+Agency Case File ID HF.006  
+Fannie Mae | Freddie Mac HF.003  
+Client Reference ID HF.007
+
+September 2024 HF.004  
+AMC Reference ID HF.008
+
+```````markdown
+# Uniform Residential Appraisal Report — F.001
+
+Page [Page] of [Pages]
+
+## Assignment Information
+
+- **Assignment Reason**: 2.000
+- **Property Valuation Method**: 2.004
+- **Borrower Name**: 2.001
+  - Yes
+  - No
+- **Seller Name**: 2.002
+  - Was a Property Data Report used in lieu of an Inspection? 2.005 LJ
+- **Current Owner of Public Record**: 2.003
+
+- **Appraiser Fee**: 2.006
+- **AMC Fee**: 2.007
+- **Government Agency**: 2.008
+- **Investor Requested Special Identification**: 2.009
+
+## Contact Information
+
+- **[Role]/[Role]**: 2.010 / 2.011
+- **Company Name**: 2.012
+  - **Credentials**:
+    - ID: 2.014
+    - State: 2.015
+    - Expires: 2.016
+- **Company Address**: 2.013
+
+## Appraiser
+
+- **Name**: 2.017
+  - **Credentials**:
+    - Designation: 2.018
+    - Level: 2.024
+    - ID: 2.025
+    - State: 2.026
+    - Expires: 2.027
+- **Company Name**: 2.019
+- **Company Address**: 2.020
+- **Scope of Inspection by Appraiser**:
+  - Subject Property Inspection: ASC Identifier 2.028
+  - Exterior: 2.021
+  - Interior: 2.022
+  - Inspection Date: 2.023
+  - VA Appraiser ID: 2.029
+  - FHA Appraiser ID: 2.030
+  - Employment Type: 2.031
+
+## Supervisory Appraiser
+
+- **Name**: 2.032
+  - **Credentials**:
+    - Designation: 2.033
+    - Level: 2.039
+    - ID: 2.040
+    - State: 2.041
+    - Expires: 2.042
+- **Company Name**: 2.034
+- **Company Address**: 2.035
+- **Scope of Inspection by Supervisory Appraiser**:
+  - Subject Property Inspection: ASC Identifier 2.043
+  - Exterior: 2.036
+  - Interior: 2.037
+  - Inspection Date: 2.038
+  - VA Appraiser ID: 2.044
+  - FHA Appraiser ID: 2.045
+  - Employment Type: 2.046
+
+## Significant Real Property Appraisal Assistance
+
+- **Name**: 2.047
+  - **Credentials**:
+    - Level: 2.049
+    - ID: 2.050
+    - State: 2.051
+    - Expires: 2.052
+- **Description**: 2.048
+
+## Property Data Report
+
+- **Name**: 2.053
+- **Occupation**: 2.054
+- **Company Name**: 2.055
+- **Company Address**: 2.056
+- **Reference ID**: 2.057
+- **Subject Property Inspection**:
+  - Exterior: 2.058
+  - Interior: 2.059
+  - Inspection Date: 2.060
+
+## Assignment Information and Scope of Work Commentary
+
+- **2.061**
+- **Assignment Information Exhibits**:
+  - 2.062.1 | 2.062.2
+
+## Appraisal Version
+
+- **#**: HF.002
+- **Appraiser Reference ID**: HF.005
+- **Agency Case File ID**: HF.006
+- **Fannie Mae | Freddie Mac**: HF.003
+- **Client Reference ID**: HF.007
+- **September 2024**: HF.004
+- **AMC Reference ID**: HF.008
+
+```````markdown
+# Uniform Residential Appraisal Report — F.001
+
+**Page [Page] of [Pages]**
+
+## Subject Property
+
+### Physical Address
+
+- **3.000** Attachment Type: 3.004
+- **3.001** Alternate Physical Address: Units Excluding ADUs: 3.005
+- **3.002** County: Accessory Dwelling Units: 3.006
+- **3.003** Neighborhood Name: Dwellings Containing Units: 3.007
+
+### Special Tax Assessments
+
+- **3.008** Yes/No:
+- **3.010** Description of Special Tax Assessments and Impact to Value/Marketability: 3.009
+
+### Property Type
+
+- **3.011** Planned Unit Development (PUD):
+- **3.012** Condominium:
+- **3.013** Cooperative:
+- **3.014** Condop:
+- **3.015** Property on Native American Lands:
+- **3.016** Subject Site Owned in Common:
+- **3.017** Homeowner Responsible for all Exterior Maintenance of Dwelling(s):
+- **3.018** New Construction:
+- **3.019** Construction Stage:
+
+## Ownership Rights
+
+### Property Rights Appraised
+
+- **3.020** All Rights Included in Appraisal: 3.027
+- **3.021** Community Land Trust:
+- **3.022** Native American Lands:
+- **3.023** Mineral Rights Leased:
+- **3.024** Ground Rent Annual Amount:
+- **3.025** Renewable:
+- **3.026** Term:
+- **3.027** Expires:
+- **3.028** Description of Rights Not Included: 3.030
+- **3.029** Description of Ground Rent and Impact to Value/Marketability: 3.026
+
+## Legal Description
+
+- **3.031** 3.031.1 | 3.031.2
+
+## Subject Property Commentary
+
+- **3.032**
+
+## Subject Property Exhibits
+
+- **3.033.1** | **3.033.2**
+
+## Appraisal Version
+
+- **# HF.002**
+
+## Fannie Mae | Freddie Mac
+
+- **HF.003** September 2024
+
+## Appraiser Reference
+
+- **ID HF.005**
+
+## Agency Case File
+
+- **ID HF.006**
+
+## Client Reference
+
+- **ID HF.007**
+
+## AMC Reference
+
+- **ID HF.008**
+
+```````markdown
+# Uniform Residential Appraisal Report
+
+## Page [Page] of [Pages]
+
+### Total Site Size
+
+- **4.000** Number of Parcels: **4.002**
+- **Dimensions**: 4.001
+- **Contiguous**: 4.003
+
+### Elements Dividing Parcels
+
+- **4.004**
+
+### Assessor Parcel Number (APN)
+
+| APN   | Description | Parcel Size |
+| ----- | ----------- | ----------- |
+| 4.005 | 4.006       | 4.007       |
+
+### Zoning Property Access
+
+- **Compliance**: 4.008
+- **Primary Access**: 4.020
+- **Classification Code**: 4.009
+- **Street Type and Surface**: 4.021
+- **Classification Code Description**: 4.010
+- **Known Maintenance Agreement**: 4.022
+- **Reasons Illegal**: 4.011
+- **Typical for Market**: 4.023
+- **Impact**: 4.012
+- **Description of Property Access**: 4.024
+- **Rebuildable to Current Density/Use**: 4.013
+- **Description of Zoning Compliance**: 4.014
+
+### Property Use
+
+- **Primarily Residential**: 4.015
+- **Residential Use**: 4.016
+- **Non-Residential Use**: 4.017
+- **Non-Residential Modification**: 4.018
+- **Description of Non-Residential Use/Modification**: 4.019
+
+### Site Influence
+
+| Influence | Proximity | Detail | Impact | Comment |
+| --------- | --------- | ------ | ------ | ------- |
+| 4.025     | 4.026     | 4.027  | 4.028  | 4.029   |
+
+### Site Influence Commentary
+
+- **4.030**
+
+### Water Frontage with Private Access
+
+- **Total Linear Measurement**: 4.031
+- **Permanent Waterfront Feature**: 4.032
+
+### Right to Build
+
+| Frontage Name | Waterfront Access Rights | Access Depth |
+| ------------- | ------------------------ | ------------ | ----- |
+| 4.034         | 4.035                    | 4.036        | 4.037 |
+
+### Water Frontage Commentary
+
+- **4.038**
+
+### View and Impact to Value/Marketability
+
+| View  | Range of View | Impact |
+| ----- | ------------- | ------ |
+| 4.039 | 4.040         | 4.041  |
+
+### View Commentary
+
+- **4.042**
+
+### Site Features and Impact to Value/Marketability
+
+| Feature                      | Detail | Impact | Comment |
+| ---------------------------- | ------ | ------ | ------- | ----- |
+| Non-Residential Property Use | 4.043  | 4.044  | 4.045   | 4.046 |
+| Hazard Zone                  | 4.047  | 4.048  | 4.049   |
+| Property Restriction         | 4.050  | 4.051  | 4.052   | 4.053 |
+| Easement                     | 4.054  | 4.055  | 4.056   | 4.057 |
+| Encroachment                 | 4.058  | 4.059  | 4.060   | 4.061 |
+| Site Characteristic          | 4.062  | 4.063  | 4.064   | 4.065 |
+
+### Site Features Commentary
+
+- **4.066**
+
+### Utilities and Impact to Value/Marketability
+
+- **Broadband Internet Available**: 4.967
+- **Dwelling/Improvement within Utility Easement**: 4.968
+
+#### Private Utility
+
+| Public         | Private | Detail | Impact | Comment |
+| -------------- | ------- | ------ | ------ | ------- | ----- | ----- |
+| Electricity    | 4.069   | 4.070  | 4.071  | 4.072   | 4.073 | 4.074 |
+| Gas            | 4.075   | 4.076  | 4.077  | 4.078   | 4.079 | 4.080 |
+| Sanitary Sewer | 4.081   | 4.082  | 4.083  | 4.084   | 4.085 | 4.086 |
+| Water          | 4.087   | 4.088  | 4.089  | 4.090   | 4.091 | 4.092 |
+| 4.093          | 4.094   | 4.095  | 4.096  | 4.097   | 4.098 |
+
+### Appraisal Version
+
+- **# HF.002**
+
+### Fannie Mae | Freddie Mac
+
+- **HF.003**
+- **September 2024 HF.004**
+
+### Appraiser Reference
+
+- **ID HF.005**
+- **Agency Case File ID HF.006**
+- **Client Reference ID HF.007**
+- **AMC Reference ID HF.008**
+
+```````markdown
+# Uniform Residential Appraisal Report 1F.001
+
+Page [Page] of [Pages]
+
+## Apparent Defects, Damages, Deficiencies (Site)
+
+The items listed below represent the As Is condition as of the effective date of this report 4.099
+
+| Feature Location | Description | Affects Soundness or Structural Integrity | Recommended Action |
+| ---------------- | ----------- | ----------------------------------------- | ------------------ |
+| 4.100            | 4.101       | 4.102                                     | 4.103              |
+| 4.104            |             |                                           |                    |
+
+## Site Valuation Methodology
+
+**Opinion of Site Value = 4.105**  
+**Primary Site Valuation Method 4.106**
+
+| Address | County | Data Source | Assessor Parcel Number (APN) | Site Size | Sale Date | Price |
+| ------- | ------ | ----------- | ---------------------------- | --------- | --------- | ----- |
+| 4.107   | 4.108  | 4.109       | 4.110                        | 4.111     | 4.112     | 4.113 |
+| 4.114   |        |             |                              |           |           |       |
+
+### Reconciliation of Site Value 4.115
+
+### Site Commentary
+
+4.116
+
+### Site Exhibits
+
+4.117.1 | 4.117.2  
+4.118.1 | 4.118.2  
+4.119.1 | 4.119.2  
+4.017.1 | 4.017.2  
+4.020.1 | 4.020.2  
+4.025.1 | 4.025.2  
+4.032.1 | 4.032.2  
+4.034.1 | 4.034.2  
+4.039.1 | 4.039.2  
+4.059.1 | 4.059.2  
+4.063.1 | 4.063.2  
+4.100.1 | 4.10.2
+
+---
+
+**Appraisal Version # HF.002**  
+**Appraiser ReferenceID = HF.005**  
+**Agency Case FileID HF.006**  
+**Fannie Mae | Freddie Mac HF.003**  
+**Client ReferenceID HF.007**
+
+**September 2024 HF.004**  
+**AMC ReferenceID HF.008**
+
+```markdown
+# Uniform Residential Appraisal Report = 4F.001
+
+Page [Page] of [Pages]
+
+## Disaster Mitigation
+
+### Mitigation Feature
+
+5.000
+
+### Disaster Mitigation Commentary
+
+5.001
+
+### Disaster Mitigation Exhibits
+
+5.002.1 | 5.002.2
+
+---
+
+**Appraisal Version #** HF.002  
+**Appraiser ReferenceID** HF.005  
+**Agency Case FileID** HF.006  
+**Fannie Mae | Freddie Mac** HF.003  
+**Client ReferenceID** HF.007
+
+**September 2024** HF.004  
+**AMC ReferenceID** HF.008
+```
+```````
+```````
+```````
+```````
+```````
+```````
+```````
+```````
+```````
+```````
+```````
+```````
+```````
+```````
+```````
+```````
+```````
+```````
+```````
+```````
+```````
+```````
+```````
+```````
+```````
+```````
+```````
+```````
+```````
+```````
+```````
+```````
+```````
+```````
+```````

Markdown_files/Appendix C-1 URAR with Report Field IDs v1.2/page_1.md

@@ -0,0 +1,17 @@
+```markdown
+# UMDP Fannie Mae & Freddie Mac
+
+## UNIFORM MORTGAGE DATA PROGRAM
+
+### Uniform Appraisal Dataset (UAD) Specification
+
+**Issued by Fannie Mae and Freddie Mac**  
+**Appendix C-1: URAR with Report Field IDs**  
+**Document Version 1.2**  
+
+**September 17, 2024**  
+
+This document relates to the Uniform Mortgage Data Program®, an effort undertaken jointly by Freddie Mac and Fannie Mae at the direction of the Federal Housing Finance Agency.
+
+© 2024 Fannie Mae and Freddie Mac. Trademarks of the respective owners.
+```

Markdown_files/Appendix C-1 URAR with Report Field IDs v1.2/page_10.md

@@ -0,0 +1,69 @@
+```markdown
+# Uniform Residential Appraisal Report — F.001  
+Page [Page] of [Pages]
+
+## Energy Efficient and Green Features
+
+### Known Renewable Energy Components  
+**6.000**
+
+#### Renewable Energy Component Ownership Financing Arrangement  
+**6.001 | 6.002 | 6.003**
+
+### Known Building Certifications  
+**6.004**
+
+#### Building Certification Organization Certification Year Version Rating  
+**6.005 | 6.006 | 6.007 | 6.008 | 6.009**
+
+### Known Efficiency Ratings  
+**6.010**
+
+#### Green/Energy Efficiency Rating  
+**Organization | Rating | Score**  
+**6.011 | 6.012 | 6.013**
+
+---
+
+## Energy Efficient and Green Features Impact to Value/Marketability
+
+### Impact to Value/Marketability  
+**6.014**
+
+### Description  
+**6.915**
+
+---
+
+## Energy Efficient and Green Features Commentary  
+**6.016**
+
+---
+
+## Energy Efficient and Green Features Exhibits  
+**6.017.1 | 6.017.2**
+
+---
+
+## Appraisal Version #  
+**HF.002**
+
+**Fannie Mae | Freddie Mac**  
+**HF.003**  
+**September 2024**  
+**HF.004**
+
+---
+
+## Appraiser ReferenceID  
+**HF.005**
+
+## Agency Case FileID  
+**HF.006**
+
+## Client ReferenceID  
+**HF.007**
+
+## AMC ReferenceID  
+**HF.008**
+```

Markdown_files/Appendix C-1 URAR with Report Field IDs v1.2/page_11.md

@@ -0,0 +1,30 @@
+```markdown
+# Master Report Sketch_10_mv08
+
+## Uniform Residential Appraisal Report — F.001  
+Page [Page] of [Pages]
+
+### Sketch
+
+**Sketch or Floor Plan Not Available**  
+7.000
+
+**Measurement Standard**  
+7.001
+
+**7.002.1 | 7.002.2**
+
+### Sketch Commentary
+
+7.003
+
+**Appraisal Version #** HF.002  
+**Appraiser ReferenceID** HF.005  
+**Agency Case FileID** HF.006
+
+**Fannie Mae | Freddie Mac** HF.003  
+**Client ReferenceID** HF.007
+
+**September 2024** HF.004  
+**AMC ReferenceID** HF.008
+```

Markdown_files/Appendix C-1 URAR with Report Field IDs v1.2/page_12.md

@@ -0,0 +1,92 @@
+```markdown
+# Uniform Residential Appraisal Report
+
+**HF.001**
+
+Page [Page] of [Pages]
+
+## Dwelling Exterior - [Structure Identifier]
+
+| Subject Property Units in Structure | 8.001 | 8.000.1 |
+|-------------------------------------|-------|---------|
+| Structure Design                    | 8.002 |
+| Floors in Building                  | 8.003 |
+| Dwelling Style                      | 8.004 |
+| Front Door Elevation                | 8.005 |
+| Townhouse End Unit                  | 8.006 LO |
+| Townhouse Back to Back              | 8.007 |
+| Units Above or Below                | 8.008 |
+| Townhouse Location                  | 8.009 |
+| Year Built                          | 8.010 |
+| Construction Method                 | 8.011 |
+| Converted Area                      | 8.012 |
+| Converted Area and Similarity to Rest of Living Area | 8.013 |
+| Factory Built Certification         | 8.014 |
+| Structure Volume                    | 8.015 |
+| Window Surface Area                 | 8.016 |
+| Attic                               | 8.017 |
+| Remaining Economic Life             | 8.018 |
+| Effective Age                       | 8.019 |
+| Commentary on Remaining Economic Life | 8.020 |
+| Commentary on Effective Age         | 8.021 |
+
+### Quality and Condition
+
+| Exterior Quality Rating | 8.022 | Exterior Condition Rating | 3.023 |
+
+The table below supports the Exterior Quality and Condition ratings and reflects the market value condition of this report 8.024
+
+### Exterior Features
+
+| Feature Detail          | Quality | Comment | Condition Status | Condition Comment |
+|-------------------------|---------|---------|------------------|-------------------|
+| Exterior Walls and Trim | 8.041   | 8.025   | 8.026            | 8.027             | 8.028 |
+| Foundation              | 8.041   | 8.029   | 8.030            | 8.031             | 8.032 |
+| Roof                    | 8.041   | 8.033   | 8.034            | 8.035             | 8.036 |
+| Windows                 | 8.041   | 8.037   | 8.038            | 8.039             | 8.040 |
+|                         | 8.041   | 8.042   | 8.043            | 8.044             | 8.045 |
+
+### Noncontinuous Finished Area
+
+The table below depicts any finished area that is attached to the dwelling but separate and not directly accessible from any unit 8.046
+
+| Finish | Total Area | Room Summary | Finished |
+|--------|------------|--------------|----------|
+|        | 8.047      | 8.048        |          |
+
+### Mechanical System Details
+
+| System Detail           | Yes | No |
+|-------------------------|-----|----|
+| Heating                 | 8.049 | Core Heating System Below Grade | 8.052L] LO |
+| Cooling                 | 8.051 | Other Mechanical Systems | 8.053 |
+
+### Apparent Defects, Damages, Deficiencies (Dwelling Exterior - [Structure Identifier]) 3.054
+
+The items listed below represent the As Is condition as of the effective date of this report 8.055
+
+| Affects Soundness or Recommended | Feature Location | Description | Structural Integrity | Action |
+|----------------------------------|------------------|-------------|-----------------------|--------|
+| 8.056                            | 8.057            | 8.058       | 8.059                 | 8.060  |
+
+### Dwelling Exterior Commentary
+8.061
+
+### Dwelling Exterior Exhibits
+
+| 8.062.1 | 8.062.2 |
+|----------|---------|
+| 8.000.1 | 8.000.2 |
+| 8.047.1 | 8.047.2 |
+| 8.056.1 | 8.056.2 |
+
+---
+
+**Appraiser ReferenceID** HF.005  
+**Agency Case FileID** HF.006  
+**Client ReferenceID** HF.007  
+**AMC Reference ID** HF.008  
+**Appraisal Version #** HF.002  
+**Fannie Mae | Freddie Mac** HF.003  
+**September 2024** HF .004
+```

Markdown_files/Appendix C-1 URAR with Report Field IDs v1.2/page_13.md

@@ -0,0 +1,71 @@
+```markdown
+# Uniform Residential Appraisal Report =F .001  
+Page [Page] of [Pages]
+
+## Manufactured Home
+
+- **Manufacturer Name**: 9.000  
+- **Attached to Permanent**: Yes  
+- **Year Installed**: 9.001  
+- **Foundation**: 9.003  
+- **Moved Since Original Installation**: 9.002  
+- **Towing Hitch, Wheels, Axles Removed**: 9.004  
+- **Manufactured Home Width**: 9.005  
+- **Skirting**: 9.006  
+
+**Yes** | **No**  
+
+Have there been any modifications, attachments, or additions that rely on or have altered the original structure for support? LI  
+
+- **Modification, Attachment, or Addition**: 9.008  
+- **Description of Modification, Attachment, or Addition**: 9.009  
+
+9.007  
+
+## HUD Data Plate
+
+- **HUD Data Plate Attached**: 9.010  
+- **HUD Wind Zone**: 9.013  
+- **Date of Manufacture**: 9.011  
+- **HUD Thermal Zone**: 9.014  
+- **Serial Number**: 9.012  
+- **HUD Roof Load Zone**: 9.015  
+
+## HUD Certification Label
+
+- **Label Present for All Sections**: 9.016  
+- **HUD Certification Number**: 9.017  
+
+## Manufactured Home Certification Program
+
+- **Certification Identifier**: 9.018 | 9.019  
+
+## Invoice Information
+
+- **Purchased from Retailer**: 9.020  
+- **Retailer’s Invoice Reviewed**: 9.022  
+- **Retailer Name**: 9.021  
+- **Manufacturer’s Invoice Reviewed**: 9.023  
+- **Invoice(s) Appear Reasonable**: 9.024  
+
+**Commentary on Why Invoice(s) Not Reasonable**: 9.025  
+
+## Manufactured Home Commentary
+
+9.026  
+
+## Manufactured Home Exhibits
+
+9.027.1 | 9.027.2  
+9.010.1 | 9.010.2  
+9.017.1 | 9.017.2  
+9.018.1 | 9.018.2  
+
+## Appraisal Version # HF.002  
+**Appraiser ReferenceID**: HF.005  
+**Agency Case FileID**: = HF.006  
+**Fannie Mae | Freddie Mac**: HF.003  
+**Client ReferenceID**: HF.007  
+**September 2024**: HF.004  
+**AMCReferenceID**: HF.008  
+```

Markdown_files/Appendix C-1 URAR with Report Field IDs v1.2/page_14.md

@@ -0,0 +1,121 @@
+```markdown
+# Uniform Residential Appraisal Report  
+**F.001**  
+Page [Page] of [Pages]  
+
+**10.000 10.001 10.002**  
+
+## Unit Interior - [Outbuilding Type] - [Structure Identifier] - [Unit Identifier]  
+
+### Area Breakdown Levels in Unit 10.017  
+- **Finished Above Grade** 10.003  
+  - Floor Number 10.018  
+- **Finished Above Grade (Nonstandard)** 10.004  
+  - Corner Unit 10.019  
+- **Unfinished Above Grade** 10.005  
+  - Occupancy 10.020  
+- **Finished Below Grade** 10.006  
+  - Utilities Separately Metered 10.021  
+- **Finished Below Grade (Nonstandard)** 10.007  
+  - Utilities Operating 10.022  
+- **Unfinished Below Grade** 10.008  
+  - Total Bedrooms 10.023  
+
+### Area Data Source 10.009  
+- Total Bathrooms - Full 10.024  
+- Total Bathrooms - Half 10.025  
+
+### Below Grade Finish Compared to Above 10.010  
+- Non-Residential Use in Unit 10.026  
+
+**Yes** | **No**  
+- Live/Work Space 10.027  
+- ADU 10.011  
+- CL) LO Allowable Work Space 10.028  
+- Legally Rentable 10.012  
+
+### Data Source 10.013  
+- Typical for Market 10.014  
+- Ingress/Egress 10.015  
+- Separate Postal Address 10.016  
+
+---
+
+## Level and Room Detail  
+
+| Level in Unit | Grade Level Detail | Finish Area | Room Summary |  
+|---------------|--------------------|-------------|--------------|  
+| 10.029        | 10.030             | 10.031      | 10.032       |  
+
+---
+
+## Quality and Condition  
+
+- **Interior Quality Rating** 10.034  
+- **Interior Condition Rating** 10.035  
+
+The tables below support the Interior Quality and Condition ratings and reflect the market value condition of this report 10.036  
+
+---
+
+## Kitchen and Bathroom Details  
+
+| Room Update Status | Time Frame | Quality Comment | Condition Status | Condition Comment |  
+|--------------------|------------|-----------------|------------------|-------------------|  
+| 10.037             | 10.038     | 10.039          | 10.040           | 10.041            |  
+
+### Overall Update Status for Bathrooms 10.043  
+
+---
+
+## Interior Features  
+
+| Feature Detail | Quality Comment | Condition Status | Condition Comment |  
+|----------------|-----------------|------------------|-------------------|  
+| 10.044         | 10.045          | 10.046           | 10.047            |  
+
+### Overall Update Status for Flooring 19.049  
+
+---
+
+## Accessibility Features for Individuals with Disabilities  
+
+| Feature | Comment |  
+|---------|---------|  
+| 10.050  | 10.051  |  
+
+---
+
+## Apparent Defects, Damages, Deficiencies  
+**(Unit Interior - [Outbuilding Type] - [Structure Identifier] - [Unit Identifier])**  
+
+The items listed below represent the As Is condition as of the effective date of this report 10.055  
+
+| Feature | Location | Description | Structural Integrity | Recommended Action |  
+|---------|----------|-------------|----------------------|--------------------|  
+| 10.056  | 10.057   | 10.058      | 10.059               | 10.060             |  
+
+---
+
+## Unit Interior Commentary  
+10.061  
+
+---
+
+## Unit Interior Exhibits  
+10.062.1 | 10.062.2  
+10.033.1 | 10.033.2  
+10.044.1 | 10.044.2  
+10.056.1 | 10.056.2  
+
+---
+
+## Appraisal Version # HF.002  
+**Appraiser ReferenceID** HF.005  
+**Agency Case FileID** HF.006  
+**Fannie Mae | Freddie Mac** HF.003  
+**Client ReferenceID** HF.007  
+
+**September 2024** HF.004  
+**AMC ReferenceID** HF.008  
+```

Markdown_files/Appendix C-1 URAR with Report Field IDs v1.2/page_15.md

@@ -0,0 +1,41 @@
+```markdown
+# Uniform Residential Appraisal Report HF.001
+
+Page [Page] of [Pages]
+
+## Functional Obsolescence
+
+**Functionallssues**  
+11.000
+
+### Functional Obsolescence Commentary
+
+11.001
+
+### Functional Obsolescence Exhibits
+
+11.002.1 | 11.002.2
+
+---
+
+**Appraisal Version #**  
+HF.002  
+
+**Appraiser ReferenceID**  
+HF.005  
+
+**Agency Case FileID**  
+HF.006  
+
+**Fannie Mae | Freddie Mac**  
+HF.003  
+
+**Client ReferenceID**  
+HF.007  
+
+**September 2024**  
+HF.004  
+
+**AMC ReferenceID**  
+HF.008
+```

Markdown_files/Appendix C-1 URAR with Report Field IDs v1.2/page_16.md

@@ -0,0 +1,91 @@
+```markdown
+# Uniform Residential Appraisal Report — F.001  
+Page [Page] of [Pages]
+
+## Outbuilding - [Outbuilding Type]  
+**Bian**
+
+**Considered Real Property**  
+12.002 42.007.1 | 12.007.2  
+
+**Units in Structure**  
+12.003  
+
+**Attached to Permanent Foundation**  
+12.004  
+
+**Structure Volume**  
+12.005  
+
+**Gross Building Area**  
+12.006  
+
+Gross Building Area for the outbuilding includes area for vehicle storage, ADU(s), and any other uses.
+
+### Detail  
+**Yes** | **No**  
+The table below depicts the area of the outbuilding, excluding vehicle storage and any ADU(s).  
+
+**Heating**  
+12.008 [ ] | [ ]  
+
+**Cooling**  
+12.009  
+
+**Finish** | **Total Area** | **Room Summary**  
+**Utilities**  
+12.010  
+
+**Finished**  
+12.011 | 12.012  
+
+**Unfinished**  
+12.013  
+
+### Mechanical System Details  
+**System Detail** | **Other Mechanical Systems**  
+42.017  
+
+**Heating**  
+12.014 | 12.015  
+
+**Cooling**  
+12.016  
+
+### Apparent Defects, Damages, Deficiencies ([Outbuilding Type])  
+12.018  
+
+The items listed below represent the *As Is* condition as of the effective date of this report.  
+12.019  
+
+| **Feature** | **Location** | **Description** | **Structural Integrity** | **Recommended Action** |  
+|-------------|--------------|-----------------|--------------------------|-------------------------|  
+| 12.020      | 12.021       | 12.022          | 12.023                   | 12.024                  |  
+
+### Outbuilding Commentary  
+12.025  
+
+### Outbuilding Exhibits  
+12.026.1 | 12.026.2  
+
+### Appraisal Version #  
+HF.002  
+
+**Appraiser ReferenceID**  
+HF.005  
+
+**Agency Case FileID**  
+HF.006  
+
+**Fannie Mae | Freddie Mac**  
+HF.003  
+
+**Client ReferenceID**  
+HF.007  
+
+**September 2024**  
+HF.004  
+
+**AMC ReferenceID**  
+HF.008  
+```

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+```markdown
+# Uniform Residential Appraisal Report — 11F.001
+
+Page [Page] of [Pages]
+
+## Vehicle Storage
+
+### 13.000
+**Storage Number of Parking Spaces Detail**  
+13.001 | 13.002 | 13.003
+
+### Apparent Defects, Damages, Deficiencies (Vehicle Storage)
+
+#### 13.004
+The items listed below represent the As Is condition as of the effective date of this report.
+
+| Feature Location | Description | Affects Soundness or Structural Integrity | Recommended Action |
+|------------------|-------------|-------------------------------------------|---------------------|
+| 13.005           | 13.006      | 13.007                                    |                     |
+| 13.008           | 13.009      |                                           |                     |
+
+### Vehicle Storage Commentary
+#### 13.010
+
+### Vehicle Storage Exhibits
+13.011.1 | 13.011.2  
+13.001.1 | 13.001.2  
+13.005.1 | 13.005.2  
+
+---
+
+**Appraisal Version #** HF.002  
+
+**Fannie Mae | Freddie Mac** HF.003  
+**September 2024** HF.004  
+
+**Appraiser ReferenceID** HF.005  
+**Agency Case FileID** = HF.006  
+**Client ReferenceID** HF.007  
+
+**AMC ReferenceID** HF.008  
+```

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+```markdown
+# Uniform Residential Appraisal Report =F .001  
+Page [Page] of [Pages]
+
+## Subject Property Amenities
+
+**14.000**  
+**Amenity Category** | **Subject Property Amenity** | **Material Detail**  
+14.001 | 14.002 | 14.003 | 14.004  
+
+## Apparent Defects, Damages, Deficiencies (Subject Property Amenities)
+
+The items listed below represent the *As Is* condition as of the effective date of this report **14.005**.
+
+**Feature** | **Location** | **Description** | **Affects Soundness or Structural Integrity** | **Recommended Action**  
+14.006 | 14.007 | 14.008 | 14.009 | 14.010  
+
+## Subject Property Amenities Commentary  
+**14.011**
+
+## Subject Property Amenities Exhibits  
+**14.012.1** | **14.012.2**  
+**14.002.1** | **14.002.2**  
+**14.006.1** | **14.006.2**  
+
+---
+
+**Appraisal Version #** HF.002 | **Appraiser ReferenceID** HF.005  
+**Agency Case FileID** = HF.006  
+**Fannie Mae | Freddie Mac** HF.003 | **Client ReferenceID** = HF.007  
+
+**September 2024** HF.004 | **AMC ReferenceID** HF.008  
+```

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+```markdown
+# Uniform Residential Appraisal Report F.001  
+Page [Page] of [Pages]
+
+## Overall Quality and Condition
+
+| **Quality** | **Condition** |
+|-------------|---------------|
+| Overall Quality: 15.000 | Overall Condition: 15.005 |
+| Exterior Quality - [Structure Identifier]: 19-001 15.002 | Exterior Condition - [Structure Identifier]: 15.006 15.007 |
+| Interior Quality - [Unit Identifier]: 15.003 15.004 | Interior Condition - [Unit Identifier]: 15.008 15.009 |
+
+## Reconciliation of Overall Quality and Condition
+
+15.010
+
+---
+
+**Appraisal Version #**: HF.002  
+**Appraiser Reference ID**: HF.005  
+
+**Agency Case File ID**: HF.006  
+**Fannie Mae | Freddie Mac**: HF.003  
+**Client Reference ID**: HF.007  
+
+**September 2024**: HF.004  
+**AMC Reference ID**: HF.008  
+```

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+```markdown
+# Revision History
+
+| Date Version              | Report Section Change #                                                                                                                                                | Revision Description   |
+| ------------------------- | ---------------------------------------------------------------------------------------------------------------------------------------------------------------------- | ---------------------- | --- |
+| Footer 2024-028           | Updated date in Footer (HF.004) to September 2024.                                                                                                                     | 1.2                    |
+| 2024-024                  | Deleted Property Value Trend (17.020).                                                                                                                                 |                        |
+| Income Approach 2024-051  | Corrected Report Field IDs for GRM Comp photos and captions (added 24.009.2).                                                                                          |                        |
+| Revision History 2024-043 | Added the Reconsideration of Value subsection (27.003-27.006).                                                                                                         |                        |
+| 2023-061                  | Updated date in Footer (HF.004) to December 2023.                                                                                                                      |                        |
+| 2023-001                  | Removed the “Under Review” watermark.                                                                                                                                  |                        |
+|                           | Deleted Subject Conforms to Surrounding Area (17.000), Reason (17.001), and Description                                                                                | 12/12/2023             | 1.1 |
+| 9/17/2024                 | 2023-031                                                                                                                                                               | (17.002).              |
+|                           | Changed Report Label to Market Area Boundary (17.003).                                                                                                                 |                        |
+|                           | Updated predefined text for Appraiser Certifications 18 (29.038), 24 (29.045), and 25 (29-046), and all Supervisory Appraiser Certifications (29.056-060, 29.071-074). |                        |
+| 2023-003                  | Clarified that Contact Name(s) (29.042) display for Appraiser Certification 21.                                                                                        |                        |
+| 3/29/2023                 | [10                                                                                                                                                                    | TC Mnitial publication |     |
+
+# Certifications and Scope of Work
+
+## Introduction
+
+The purpose of this document is to show all possible Report Labels that may display on the URAR, regardless of conditionality. This is not intended to represent a realistic report as an appraisal will never contain all of the available fields in one report. The red superimposed number is the Report Field ID.
+
+## Definition
+
+- **Report Label**: The name of the field as shown on the URAR.
+- **Report Field ID (FID)**: A red number identifying the specific location of the field on the URAR. Report Field ID (FID) is also referenced in:
+  - Appendix A-1: UAD URAR Delivery Specification
+  - Appendix B-1: URAR Implementation Guide
+  - Appendix F-1: URAR Reference Guide
+```

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+```markdown
+# Uniform Residential Appraisal Report 1F.001  
+Page [Page] of [Pages]  
+
+## Highest and Best Use  
+
+**Is the present use of the subject property...**  
+
+- **Legally Permissible**: 16.000  
+- **Financially Feasible**: 1°00  
+- **Physically Possible**: 16.001  
+- **Maximally Productive**: 16.003  
+
+**Yes** | **No**  
+
+**Is the highest and best use of the subject property as improved (or as proposed per plans and specifications) the present use?** LI  
+
+### Highest and Best Use Commentary  
+16.005  
+
+### Highest and Best Use Exhibits  
+16.006.1 | 16.006.2  
+
+16.004  
+
+---
+
+**Appraisal Version #**: HF.002  
+**Appraiser Reference ID**:  
+**Agency Case File ID**:  
+**Fannie Mae | Freddie Mac**: HF.003  
+**Client Reference ID**:  
+
+**September 2024**  
+**AMC Reference ID**: HF.004  
+
+HF.005  
+HF.006  
+HF.007  
+HF.008  
+```

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+```markdown
+# Uniform Residential Appraisal Report HF.001
+
+Page [Page] of [Pages]
+
+## Market Area Boundary 17.003  
+Search Criteria Description 17.004  
+
+### Search Result Metrics  
+
+- **Active Listings 17.005**  
+- **Sales in Past Months 17.012**  
+- **Median Days on Market 17.006**  
+- **Lowest Sale Price 17.013**  
+- **Lowest List Price 17.007**  
+- **Median Sale Price 17.014**  
+- **Median List Price 17.008**  
+- **Highest Sale Price 17.015**  
+- **Highest List Price 17.009**  
+- **Distressed Market Competition 17.016**  
+
+- **Pending Sales 17.010**  
+- **Graph 17.017**  
+
+- **Price Trend Source 17.018**  
+
+- **Price Trend Analysis Commentary 17.019**  
+
+## Housing Trends  
+
+- **Demand/Supply 17.021**  
+- **Marketing Time 17.022**  
+
+## Market Commentary  
+17.023  
+
+## Market Exhibits  
+
+- **17.024.1 | 17.024.2**  
+- **17.017.1 | 17.017.2**  
+
+## Appraisal Version # HF.002  
+
+- **Fannie Mae | Freddie Mac HF.003**  
+- **September 2024 HF.004**  
+
+- **Appraiser Reference ID HF.005**  
+- **Agency Case File ID HF.006**  
+- **Client Reference ID HF.007**  
+
+- **AMC Reference ID HF.008**  
+```

Markdown_files/Appendix C-1 URAR with Report Field IDs v1.2/page_22.md

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+```markdown
+# Uniform Residential Appraisal Report =F .001 Page [Page] of [Pages]
+
+## 18.000
+### 18.001
+### 18.002
+### 18.003
+- **Planned Unit Development (PUD)**  
+  [| | Condominium L] Cooperative |] _Condop L1|  
+
+### 18.004
+- **Project Name**  
+- **Project Completeness**  
+
+### 18.005
+- **Project Information DataSource**  
+  - Yes  
+  - No  
+
+### 18.006
+- **Total Units**  
+- **Are units, common areas, and amenities in project complete?**  
+  - 18.016 L] L]  
+
+### 18.007
+- **Units Sold**  
+
+### 18.008
+- **Units for Sale**  
+- **Subject Property Building Complete**  
+  - 18.017L)J  
+
+### 18.009
+- **Units Rented**  
+- **Converted in Past 3 Years**  
+  - 18.018L] LJ  
+
+### 18.010
+- **Reason Units Rented is Estimated**  
+- **Ground Rent**  
+  - 18.019L] LI  
+
+### 18.011
+- **Mandatory Fees (HOA, PUD, or Co-op)**  
+  - **Annual Amount**  
+    - 18.020  
+  - **Monthly Amount**  
+    - 18.011  
+  - **Expires**  
+    - 18.021  
+
+### 18.012
+- **Common Amenities/Description of Ground Rent**  
+  - 18.022  
+
+### 18.013
+- **Utilities Included**  
+  - Yes  
+  - No  
+
+### 18.014
+- **Observed Deficiencies**  
+  - L} LJ  
+
+### 18.015
+- **Description of Deficiencies**  
+
+---
+
+## Cooperative Information
+
+### 18.023
+- **Shares Issued and Outstanding**  
+- **Proprietary Lease Expires**  
+  - 18.025  
+
+### 18.024
+- **Shares Attributable to Subject Property**  
+
+---
+
+### 18.026
+- **Project Blanket Financing**  
+  - [] L]  
+
+### 18.027
+- **Pro Rata Share**  
+
+---
+
+## Lien Detail
+
+### First Lien 18.028
+- **Unpaid Principal Balance**  
+  - 18.029  
+- **Line of Credit**  
+  - 18.030  
+- **Balloon Mortgage**  
+  - 18.031  
+- **Remaining Term**  
+  - 18.032  
+- **Monthly Payment**  
+  - 18.033  
+- **Interest Rate**  
+  - 18.034  
+- **Amortization Type**  
+  - 18.035  
+- **Pro Rata Share of Balance Attributable to Unit**  
+  - 18.036  
+
+### Second Lien 18.037
+- **Unpaid Principal Balance**  
+  - 18.038  
+- **Line of Credit**  
+  - 18.039  
+- **Balloon Mortgage**  
+  - 18.040  
+- **Remaining Term**  
+  - 18.041  
+- **Monthly Payment**  
+  - 18.042  
+- **Interest Rate**  
+  - 18.043  
+- **Amortization Type**  
+  - 18.044  
+- **Pro Rata Share of Balance Attributable to Unit**  
+  - 18.045  
+
+### Third Lien 18.046
+- **Unpaid Principal Balance**  
+  - 18.047  
+- **Line of Credit**  
+  - 18.048  
+- **Balloon Mortgage**  
+  - 18.049  
+- **Remaining Term**  
+  - 18.050  
+- **Monthly Payment**  
+  - 18.051  
+- **Interest Rate**  
+  - 18.052  
+- **Amortization Type**  
+  - 18.053  
+- **Pro Rata Share of Balance Attributable to Unit**  
+  - 18.054  
+
+### Fourth Lien 18.055
+- **Unpaid Principal Balance**  
+  - 18.056  
+- **Line of Credit**  
+  - 18.057  
+- **Balloon Mortgage**  
+  - 18.058  
+- **Remaining Term**  
+  - 18.059  
+- **Monthly Payment**  
+  - 18.060  
+- **Interest Rate**  
+  - 18.061  
+- **Amortization Type**  
+  - 18.062  
+- **Pro Rata Share of Balance Attributable to Unit**  
+  - 18.063  
+
+---
+
+## Project Factors and Impact to Value/Marketability
+
+### Project Factor Detail
+- **Developer/Sponsor in Control**  
+  - 18.064  
+  - 18.074  
+  - 18.084  
+
+- **Incomplete Project**  
+  - 18.065  
+  - 18.075  
+  - 18.085  
+
+- **Converted in Past 3 Years**  
+  - 18.066  
+  - 18.076  
+  - 18.086  
+
+- **Single Entity Ownership of Multiple Units**  
+  - 18.067  
+  - 18.077  
+  - 18.087  
+
+- **Single Entity Ownership of Multiple Shares**  
+  - 18.068  
+  - 18.078  
+  - 18.088  
+
+- **Commercial Space**  
+  - 18.069  
+  - 18.079  
+  - 18.089  
+
+- **Known Legal Actions**  
+  - 18.070  
+  - 18.080  
+  - 18.090  
+
+- **Unit Transfer Fees**  
+  - 18.071  
+  - 18.081  
+  - 18.091  
+
+- **Unit Special Assessments**  
+  - 18.072  
+  - 18.082  
+  - 18.092  
+
+- **Unit Tax Abatements or Exemptions**  
+  - 18.073  
+  - 18.083  
+  - 18.093  
+
+---
+
+### Project Factors Commentary
+- 18.094  
+
+### Project Information Commentary
+- 18.095  
+
+---
+
+## Project Information Exhibits
+- 18.096.1 | 18.096.2  
+- 18.012.1 | 18.012.2  
+- 18.014.1 | 18.014.2  
+
+---
+
+## Appraisal Version # HF.002  
+- **Appraiser ReferenceID**  
+  - HF.005  
+
+## Agency Case FileID = HF.006  
+- **Fannie Mae | Freddie Mac**  
+  - HF.003  
+- **Client ReferenceID**  
+  - HF.007  
+
+## September 2024 HF.004  
+- **AMC ReferenceID**  
+  - HF.008  
+```

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+```markdown
+# Uniform Residential Appraisal Report  
+**F .001**  
+Page [Page] of [Pages]  
+
+## Subject Listing Information  
+Current and/or relevant listings of the subject property (minimum 1 year look back)  
+
+**Current or Relevant Listings**: 19.000  
+
+### Data Source: 19.001  
+
+| Starting Current or Listing Status | Listing Type | Listing ID | Start Date | End Date | DOM | List Price | Final List Price | Total DOM |  
+|------------------------------------|--------------|------------|------------|----------|-----|------------|------------------|-----------|  
+| 19.002                             | 19.003       | 19.004     | 19.005     | 19.006   | 19.007 | 19.008     | 19.009           |           |  
+
+### Analysis of Subject Property Listing History  
+19.011  
+
+### Subject Listing Information Exhibits  
+19.012.1 | 19.012.2  
+
+---
+
+**Appraisal Version #**: HF.002  
+**Appraiser Reference ID**: HF.005  
+**Agency Case File ID**: HF.006  
+
+**Fannie Mae | Freddie Mac**: HF.003  
+**Client Reference ID**: HF.007  
+
+**September 2024**: HF.004  
+**AMC Reference ID**: HF.008  
+```

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+```markdown
+# Uniform Residential Appraisal Report  
+**=F .001**  
+Page [Page] of [Pages]
+
+## Sales Contract
+
+- **Yes**  
+  - **No**  
+    - **Contract Price**: 20.004  
+- **Is there a sales contract?**: 20.000L] LI  
+  - **Contract Date**: 20.005  
+- **Was sales contract information analyzed?**: 20.001L) LJ  
+  - **Transfer Terms**: 20.006  
+- **Does this appear to be an arm’s length transaction?**: sore L  
+  - **Personal Property Conveyed**: 20.007  
+- **Non-Arm’s Length Commentary**: 20.003  
+  - Personal property is not included in the appraiser’s final opinion of value  
+- **Financial Sales Concessions**: Financial assistance paid by or on behalf of the seller as an inducement to purchase the subject property  
+  - **Known Sales Concessions**: 20.008  
+  - **Total Sales Concessions**: 20.009  
+  - **Typical for Market**: 20.010  
+
+## Sales Contract Analysis  
+20.011  
+
+## Sales Contract Exhibits  
+20.012.1 | 20.012.2  
+
+## Appraisal Version  
+**# HF.002**  
+- **Appraiser ReferenceID**: HF.005  
+- **Agency Case FileID**: = HF.006  
+- **Client ReferenceID**: HF.007  
+- **Fannie Mae | Freddie Mac**: HF.003  
+- **AMC ReferenceID**: HF.008  
+- **September 2024**: HF.004  
+```

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+```markdown
+# 21
+
+## Uniform Residential Appraisal Report = 1F.001  
+Page [Page] of [Pages]
+
+### Prior Sale and Transfer History
+
+#### Subject Transfer History
+
+**Prior sales and/or transfers of the subject property (minimum 3 year look back)**  
+**Prior Sales or Transfers**: 21.000  
+
+| Data Source | Transfer Terms | Date | Amount | Data Source |  
+|-------------|----------------|------|--------|-------------|  
+| 21.001      | 21.002         | 21.003 | 21.004 | 21.005      |  
+
+**Analysis of Prior Sale and Transfer History of Subject Property**: 21.006  
+
+#### Comparable Transfer History
+
+**Prior sales and/or transfers of the comparable properties from the ‘Sales Comparison Approach’ section (minimum 1 year look back)**  
+
+| # | Transfer Terms | Date | Amount | Data Source |  
+|---|----------------|------|--------|-------------|  
+| 007 | 21,008         | 21.009 | 21.010 | 21.011      |  
+
+**Analysis of Prior Sale and Transfer History of Comparable Sales**: 21.012  
+
+### Prior Sale and Transfer History Exhibits
+
+21.013.1 | 21.013.2  
+
+---
+
+**Appraisal Version #**: HF.002  
+**Appraiser ReferenceID**: HF.005  
+**Agency Case FileID**: = HF.006  
+**Fannie Mae | Freddie Mac**: HF.003  
+**Client ReferenceID**: HF.007  
+
+**September 2024**: HF.004  
+**AMC ReferenceID**: HF.008  
+```

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+```markdown
+# Uniform Residential Appraisal Report HF.001  
+Page [Page] of [Pages]  
+
+## Sales Comparison Approach  
+
+### Subject Property Comparable # 22.01.16 Comparable # Comparable #  
+
+#### General Information  
+
+| Property Address | 22.01.01 | 22.01.17 |  
+|-------------------|----------|----------|  
+|                   | 22.01.01.1 | 22.01.17.1 |  
+
+| Days on Market | 22.01.07 | 22.01.34 |  
+|----------------|----------|----------|  
+| Sale to List Price Ratio | 22.01.35 | 22.01.36 |  
+
+| Attached/Detached | 22.01.08 | 22.01.37 | 22.01.38 |  
+|-------------------|----------|----------|----------|  
+| Property Rights Appraised | 22.01.09 | 22.01.39 | 22.01.40 |  
+
+#### Native American Lands  
+- All Rights Included  
+- Rights Not Included | 22.01.18 |  
+
+| Same Builder as Subject | 2.0147 |  
+|-------------------------|--------|  
+|                         | 22.01.14 | 22.01.48 | 22.01.49 |  
+
+#### Project Name  
+| Same | 22.02.01 | 22.02.06 |  
+|------|----------|----------|  
+| Project as Subject |  
+
+| Monthly Fee | 22.02.02 | 22.02.07 |  
+|-------------|----------|----------|  
+| Common Amenities/Services | 22.02.03 | 22.02.08 |  
+
+| Special Assessments | 22.02.04 | 22.02.09 |  
+
+### Site  
+
+| Neighborhood Name | 22.03.03 | 22.03.22 | 22.03.23 |  
+|-------------------|----------|----------|----------|  
+
+| Site Size | po |  
+|-----------|----|  
+
+| Topography | po |  
+|------------|----|  
+
+#### Conditions  
+- Water Frontage with Private Access  
+
+| Water Frontage | 22.04.01 | 22.04.06 |  
+|----------------|----------|----------|  
+| Permanent Waterfront Feature | 22.04.02 | 22.04.07 |  
+| Right to Build | 22.04.03 | 22.04.08 |  
+| Total Linear Measurement | 22.04.04 | 22.04.09 |  
+
+---
+
+**Appraisal Version#**: HF.002  
+**Appraiser ReferenceID**: HF.005  
+**Agency Case FileID**: HF.006  
+**Fannie Mae | Freddie Mac**: HF.003  
+**Client ReferenceID**: HF.007  
+
+**September 2024**: HF.004  
+**AMC ReferenceID**: HF.008  
+```

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+```markdown
+# Uniform Residential Appraisal Report F.001
+
+## Property Address
+
+### Dwelling(s)
+
+#### Subject Property Comparable #
+
+Page [Page] of [Pages]
+
+| Comparable # | Comparable # |
+|--------------|--------------|
+| Year Built    | 22.05.21     | 2205.228     | S            | $            |
+| Structure Design | 22.05.23 | 22.05.24     | SSS          | $            |
+| Gross Building Finished Area | 22.05.04 | 22.05.25 | 22.05.26     | $            | $            |
+| Noncontinuous | 22.05.27     | 22.05.28     | $            |              |
+| Finished Area |              |              |              |              |
+
+| Townhouse Back to Back | 22.05.07 | 22.05.31 | 22.05.32     | $            | $            |
+| Townhouse Location | 22.05.33 | 22.05.34     | $            |              |
+| Construction Method | 22.05.35 | 22.05.36     | pf           | $            |
+| Manufactured Home Width | 22.05.10 | 22.05.37 | 22.05.38     | $            | $            |
+| Dwelling Style | 22.05.39 | 22.05.408    | $            |              |
+| Window Surface Area | 22.05.13 | 22.05.43 | 22.05.44     | $            | >            |
+| Functional Issues | 22.05.45 | 22.05.46     | $            |              |
+| Disaster Mitigation | 22.05.15 | 22.05.47 | 22.05.48     | SS           | $            |
+| Heating | 22.05.16 | 22.05.49 | 22.05.50     | $            | $            |
+| Cooling | 22.05.51 | 22.05.52     | $            |              |
+| 22.05.18 | 22.05.19 | 22.05.53 | 22.05.54     | $            | $            |
+| Energy Efficient and Green Features | Po | g |              |
+
+### Renewable Energy Component
+
+| 22.06.01 | 22.06.05 |
+|----------|----------|
+
+### Building Certification Efficiency Rating
+
+| 22.06.02 | 22.06.06 |
+|----------|----------|
+| 22.06.03 | 22.06.07 |
+
+### Unit(s)
+
+| Floor Number | 22.07.03 | 22.07.20 | 22.07.21     | $            | $            |
+| Corner Unit | 22.07.22 | 22.07.2838 | $            |              |
+| Bedrooms | 22.07.06 | 22.07.26 | 22.07.27     | $            | $            |
+| Baths - Full | Half | 22.07.28 | 22.07.29     | §            |
+| Finished Area Above Grade | 22.07.08 | 22.07.30 | 22.07.315    | $            | $            |
+| Finished Area Above | 22.07.09 | 22.07.32 | 22.07.33     | §            | $            |
+| Grade (Nonstandard) | Grade |              |              |              |
+| Finished Area Below Grade | 22.07.11 | 22.07.36 | 22.07.37     | a            | $            |
+| Finished Area Below Grade (Nonstandard) | 22.07.12 | 22.07.38 | 22.07.39 |              |
+| Below Grade | 22.07.13 | 22.07.40 | 22.07.41     |              |
+| Features for Individuals | $            | pS          |              |
+| w/Disabilities | 22.07.14 | 22.07.42 | 22.07.43     |              |
+
+| 22.07.15 | 22.07.16 | 22.07.44 | 22.07.45     | $            | $            |
+
+### Quality and Condition (Ratings: 1-6, 1 is highest)
+
+#### Exterior Quality and Condition
+
+| Structure ID | 22.08.01 | ozo |
+| Quality | 22.08.02 | 22.08.17 | —EEE |
+| Foundation | 2208.04 | fr | zzoatg | fF |
+| Windows | 22.08.06 | 22.08.21 |              |
+
+| 22.08.07 | 220.08 | fi | zzonz2 | fF |
+| Condition | 22.08.09 | 22.08.23 | —EEE |
+| Foundation | pe2o8.t1 | fz |              |
+| Windows | 22.08.13 | 22.08.27 |              |
+
+| 22.08.14 | 22.08.15 | zzozp |              |
+
+## Appraisal Version # HF.002
+
+### Fannie Mae | Freddie Mac
+September 2024
+
+| HF.003 | HF.004 |
+|--------|--------|
+
+| HF.005 | HF.006 | HF.007 | HF.008 |
+|--------|--------|--------|--------|
+
+### Appraiser Reference ID
+### Agency Case File ID
+### Client Reference ID
+
+### AMC Reference ID
+```

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+```markdown
+# Uniform Residential Appraisal Report F.001
+
+Page [Page] of [Pages]
+
+| Subject Property | Comparable # | Comparable # | Comparable # |
+|------------------|--------------|--------------|--------------|
+| Property Address |              |              |              |
+
+## Interior Quality and Condition
+
+| Structure ID | Unit ID 22.09.02 | 22.09.18 |
+|--------------|------------------|----------|
+| **Overall Bathrooms** | 22.09.05 | 22.09.21 |
+| **Quality** | 22.09.03 | 22.09.19 |
+| **Kitchen** | 22.09.04 | 22.09.20 |
+| **Overall Flooring** | 22.09.06 | 22.09.22 |
+| **Walls and Ceiling** | 22.09.07 | 22.09.23 |
+| **Condition** | 22.09.10 | 22.09.25 |
+| **Kitchen** | 22.09.11 | 22.09.26 |
+| **Overall Bathrooms** | 22.09.12 | 22.09.27 |
+| 22.09.08 | 22.09.09 | 22.09.24 |
+| **Overall Flooring** | 22.09.13 | 22.09.28 |
+| **Walls and Ceiling** | 22.09.14 | 22.09.29 |
+| 22.09.15 | 22.09.16 | 22.09.30 |
+
+## ADU Interior Quality and Condition
+
+| **Location of ADU** | 22.10.01 | 22.10.16 |
+|---------------------|----------|----------|
+| **Quality** | 22.10.02 | 22.10.17 |
+| **Kitchen** | 22.10.03 | 22.10.18 |
+| **Overall Bathrooms** | 22.10.04 | 22.10.19 |
+| **Overall Flooring** | 22.10.05 | 22.10.20 |
+| **Condition** | 22.10.09 | 22.10.23 |
+| **Walls and Ceiling** | 22.10.06 | 22.10.21 |
+| 22.10.07 | 22.10.08 | 22.10.22 |
+| **Kitchen** | 22.10.10 | 22.10.24 |
+| **Overall Bathrooms** | 22.10.11 | 22.10.25 |
+| **Overall Flooring** | 22.10.12 | 22.10.26 |
+| **Walls and Ceiling** | 22.10.13 | 22.10.27 |
+| 22.10.14 | 22.10.15 | 22.10.28 |
+
+## Overall Quality and Condition (Ratings: 1-6, 1 is highest)
+
+### Quality
+
+| 22.11.02 | 22.11.05 | 22.11.06 $ |
+|----------|----------|------------|
+
+### Condition
+
+## Property Amenities
+
+### Outdoor Accessories
+
+### Outdoor Living
+
+| 22.11.01 gtios —earroas{ | sf |
+|--------------------------|----|
+
+| 22.12.01 | 22.1206 jaaazo7s| | Sf |
+|----------|-----------------|---|----|
+
+| Ur | |
+|---|--|
+
+### Water Features
+
+### Whole Home
+
+| 22.12.04 | 22.12.12 | 22.12.13 $ |
+|----------|----------|------------|
+
+| 22.12.05 | 22.12.14 | 22.12.15 $ |
+|----------|----------|------------|
+
+### Miscellaneous
+
+| 22.12.03 | 22.12.10 | 22.12.11 |
+|----------|----------|----------|
+
+| 22.13.05 | |
+|----------|--|
+
+### Vehicle Storage
+
+| Type | Spaces | Detail 22.13.01 |
+|------|--------|-----------------|
+
+| 22.13.02 | 22.13.03 | 22.13.06 |
+|----------|----------|----------|
+
+## Outbuilding (ADU and vehicle storage are not included in Finished Area, Unfinished Area, or room counts)
+
+| Outbuilding Type | 22.14.01 | 22.14.14 | 22.14.15$§ |
+|------------------|----------|----------|------------|
+| Gross Building Area | 22.14.02 | 22.14.16 |
+| Structure Volume | 22.14.05 | 22.14.19 |
+| Finished Area | 22.14.03 | 22.14.17 |
+| Unfinished Area | 22.14.04 | 22.14.18 |
+| Baths - Half | 22.14.07 | 22.14.21 |
+| Heating | 22.14.09 | 22.14.23 |
+| Utilities | 22.14.11 | 22.14.25 |
+| 22.14.12 | 22.14.13 | 22.14.26 |
+
+## Appraisal Version # HF.002
+
+| Appraiser ReferenceID | HF.005 |
+|-----------------------|--------|
+| Agency Case FileID | HF.006 |
+| Fannie Mae| Freddie Mac | HF.003 |
+| Client Reference ID | HF.007 |
+
+| September 2024 | HF.004 |
+|----------------|--------|
+| AMC ReferenceID | HF.008 |
+```

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+```markdown
+# Uniform Residential Appraisal Report
+
+[ADDRESS] 1.000
+
+## SUMMARY
+
+- **Opinion of Market Value**: 1.001  
+  - 1.085 (Cooperative Interest)  
+  - **Market Value Condition**: 1.009  
+
+- **Final Value Condition Statement**: .002  
+
+- **Effective Date of Appraisal**: 1.003  
+- **Property Valuation Method**: 1.010  
+- **Assignment Reason**: 1.004  
+- **Appraiser Name**: 1.011  
+- **Borrower Name**: 1.005  
+- **Current Owner of Public Record**: 4 0906  
+- **Contract Price**: 1.007  
+- **Listing Status**: 1.008  
+
+## Property Description
+
+- **Construction Method**: 1.012  
+- **Overall Quality**: 1.030  
+- **Attachment Type**: 1.013  
+- **Overall Condition**: 1.031  
+- **Structure Design**: 1.014  
+
+**Yes** | **No**  
+--- | ---  
+Planned Unit Development (PUD) 1.015 | T] L  
+Condominium 1.016 | LJ} C]  
+Cooperative 1.017 | E] C  
+Condop 1.018 | O  
+Observed Project Deficiencies 1.019 | L)  
+Subject Site Owned in Common 1.020 | L] LJ ™  
+Units Excluding ADUs 1.021 | 1.000  
+Accessory Dwelling Units 1.022 |  
+Property Rights Appraised 1.023 |  
+
+1.024 **Yes** | **No**  
+Is the highest and best use of the subject property as LJ improved (or as proposed per plans and specifications) the present use?  
+
+- **Property Restriction**: 1.025  
+- **Encroachment**: 1.026  
+- **Zoning Compliance**: 1.027  
+- **HUD Data Plate Attached**: 1.028  
+- **HUD Label Present for All Sections**: 1.029  
+
+## Appraisal Details
+
+- **Appraisal Version #**: HF.002  
+- **Appraiser ReferenceID**: HF.005  
+- **Agency Case FileID**: HF.006  
+- **Fannie Mae | Freddie Mac**: HF.003  
+- **Client ReferenceID**: HF.007  
+- **September 2024**: HF.004  
+- **AMC ReferenceID**: HF.008  
+```

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+```markdown
+# Uniform Residential Appraisal Report = HF.001  
+Page [Page] of [Pages]
+
+## Sales Comparison Map
+
+| 22.18.01.1 |
+
+**Appraisal Version #** HF.002  
+**Appraiser Reference ID** HF.005  
+**Agency Case FileID** = HF.006  
+**Fannie Mae|FreddieMac** = _HF.003  
+**Client ReferenceID** = HF.007  
+
+**September 2024** HF.004  
+**AMCReferenceID** = HF .008
+```

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+```markdown
+# Uniform Residential Appraisal Report HF.001  
+Page [Page] of [Pages]
+
+## Sales Comparison Approach Exhibits
+
+### Comparable # 22.01.16  
+Comparable #  
+22.01.16.1 | 22.01.16.2  
+
+### Comparable #
+
+- **Appraisal Version #**: HF.002  
+- **Appraiser Reference ID**: HF.005  
+- **Agency Case File ID**: HF.006  
+- **Fannie Mae | Freddie Mac**: HF.003  
+- **Client Reference ID**: HF.007  
+
+**September 2024** HF.004  
+- **AMC Reference ID**: HF.008  
+```

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+```markdown
+# Uniform Residential Appraisal Report  
+**F.001**  
+Page [Page] of [Pages]  
+
+## Rental Information  
+
+### Rent Schedule  
+#### Subject Property Rental Information  
+
+| Utilities/ | Currently | Monthly | Month-to- | Rent | Rent | Services |  
+|------------|-----------|---------|-----------|------|------|----------|  
+| Rented     | Occupancy | Rent    | Month     | Lease Start | Control | Concessions | Included | Furnished |  
+| [Unit 23]  | 01.01     | 23.01.02 | 23.01.03 | 23.01.04 | 23.01.05 | 23.01.06 | 23.01.07 | 23.01.08 | 23.01.09 | 23.01.10 |  
+
+**Description of Rent Control and Impact to Value/Marketability:** 23.01.11  
+
+| Actual Income (Monthly) | Opinion of Market Income (Monthly) |  
+|-------------------------|-----------------------------------|  
+| Rent                    | Rent                              |  
+| [Unit Identifier]       | 23.01.12 | 23.01.13 | [Unit Identifier] | 23.01.19 | 23.01.20 |  
+| **Subtotal**            | 23.01.14 | **Subtotal** | 93.01.21 |  
+
+| Other Real Property Rental Income | Other Real Property Rental Income |  
+|-----------------------------------|-----------------------------------|  
+| 23.01.15                          | 23.01.16 | 23.01.22 | 23.01.23 |  
+| **Subtotal**                      | 23.01.17 | **Subtotal** | 23.01.24 |  
+| 23.01.18                          | 23.01.25 |  
+
+### Comparable Rental Properties  
+
+| LO" | LO" | LO" | LO" | LO" | LO" |  
+|-----|-----|-----|-----|-----|-----|  
+| 23.02.01.1 | 23.02.03.1 |  
+
+| Subject Property | Comparable # | Comparable # | Comparable # | Comparable # | Comparable # |  
+|------------------|--------------|--------------|--------------|--------------|--------------|  
+| 23.02.02         | 23.02.01     | 23.02.03     |  
+
+| Data Source: | Data Source: | Data Source: | Data Source: | Data Source: |  
+|--------------|--------------|--------------|--------------|--------------|  
+| 23.02.04     |  
+
+| Lease Start Date: | Lease Start Date: | Lease Start Date: | Lease Start Date: | Lease Start Date: |  
+|-------------------|-------------------|-------------------|-------------------|-------------------|  
+| 23.02.05          |  
+
+| Actual Rent: | Actual Rent: | Actual Rent: | Actual Rent: | Actual Rent: |  
+|--------------|--------------|--------------|--------------|--------------|  
+| 23.02.06     |  
+
+---
+
+**Appraisal Version #:** HF.002  
+**Appraiser Reference ID:** HF.005  
+**Agency Case File ID:** HF.006  
+**Fannie Mae | Freddie Mac:** HF.003  
+**Client Reference ID:** F007  
+
+**September 2024**  
+**AMC Reference ID:** F.908  
+```

Markdown_files/Appendix C-1 URAR with Report Field IDs v1.2/page_33.md

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+```markdown
+# Uniform Residential Appraisal Report
+
+## Comparable Rental Analysis
+
+### Subject
+
+- **23.03.01[Unit Identifier]**: #23.03.24
+- **HF.001**
+
+### Comparables
+
+- **# #**
+- **Page [Page] of [Pages]**
+- **Subject Comparables**
+  - **[Unit Identifier]**: # # #
+  - **Proximity to Subject**
+  - **Neighborhood Name**
+  - **Project Name**
+    - 23.03.25
+    - 23.03.02 23.03.26
+    - 23.03.03 23.03.27
+  - **Project Common Amenities/Services**
+    - 23.03.28
+    - 23.03.04
+  - **Site Influence**
+    - **View from Unit**
+      - 23.03.05 23.03.29
+      - 23.03.06 23.03.30
+    - **Floor Number**
+      - 23.03.07 23.03.31
+    - **Site Size**
+    - **Grade Level**
+      - 23.03.08 23.03.32
+      - 23.03.09 23.03.33
+  - **Interior Condition**
+    - 23.03.10 23.03.34
+  - **Bedrooms**
+  - **Baths - Full | Half**
+    - 23.03.11 23.03.35
+    - 23.03.12 23.03.36
+  - **Finished Area**
+    - 23.03.13 23.03.37
+  - **Furnished**
+  - **Utilities/Services Included**
+    - 23.03.14 23.03.38
+    - 23.03.15 23.03.39
+  - **Rent Control**
+    - 23.03.16 23.03.40
+  - **Rent Concessions**
+  - **Vehicle Storage | Spaces**
+    - 23.03.17 23.03.41
+    - 23.03.18 23.03.42
+    - 23.03.19
+    - 23.03.20 23.03.43
+
+### Summary
+
+- **Rent Per Finished Area**
+  - 23.03.21 23.03.44
+- **Actual Rent**
+  - 23.03.22 23.03.45
+- **Overall Comparison to Subject**
+- **Adjusted Rent**
+  - 23.03.46
+- **Opinion of Market Rent**
+  - 230347 | |
+- **Comparable Weight**
+- **Proximity to Subject**
+  - 23.03.23
+
+### [Unit Identifier]
+
+#### Subject Comparables
+
+- **Subject Comparables**
+  - **[Unit Identifier]**
+  - **Neighborhood Name**
+  - **Project Name**
+  - **Site Influence**
+    - **View from Unit**
+    - **Floor Number**
+  - **Project Common Amenities/Services**
+  - **Site Size**
+  - **Grade Level**
+  - **Interior Condition**
+  - **Bedrooms**
+  - **Baths - Full | Half**
+  - **Finished Area**
+  - **Furnished**
+  - **Utilities/Services Included**
+  - **Rent Control**
+  - **Rent Concessions**
+  - **Vehicle Storage | Spaces**
+
+### Summary
+
+- **Rent Per Finished Area**
+- **Actual Rent**
+- **Overall Comparison to Subject**
+- **Adjusted Rent**
+- **Opinion of Market Rent**
+- **Comparable Weight**
+
+### Appraisal Version # HF.002
+
+- **Fannie Mae | Freddie Mac HF.003**
+- **September 2024**
+- **HF.004**
+- **Appraiser ReferenceID HF.005**
+- **Agency Case FileID HF.006**
+- **Client Reference ID |4F 907**
+- **AMC ReferenceID YF 908**
+```

Markdown_files/Appendix C-1 URAR with Report Field IDs v1.2/page_34.md

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+```markdown
+# Uniform Residential Appraisal Report  
+**HF.001**  
+Page [Page] of [Pages]  
+
+## Rental Analysis Commentary  
+**23.04.01**  
+
+### Rental Information Exhibits  
+
+- **Comparable #**  
+  **23.05.03**  
+  **Comparable #**  
+  **23.02.03.1 | 23.02.03.2**  
+
+- **Comparable #**  
+  **Comparable #**  
+
+- **Comparable #**  
+  **23.05.01.1 | 23.05.01.2**  
+  **23.05.02.1 | 23.05.02.2**  
+
+---
+
+**Appraisal Version #** HF.002  
+**Appraiser ReferenceID** HF.005  
+**Agency Case FileID** HF.006  
+**Fannie Mae | Freddie Mac** HF.003  
+**Client ReferenceID** F007  
+
+**September 2024** HF.004  
+**AMCReferenceID** |iF 008  
+```

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+```markdown
+# Uniform Residential Appraisal Report — F.001
+
+Page [Page] of [Pages]
+
+## Cost Approach
+
+- **Indicated Value by Cost Approach**: 25.000
+- **Depreciated Cost of Dwellings**: 25.001
+- **Depreciated Cost of Outbuildings**: 25.002
+- **As Is Value of Site Improvements**: 25.003
+- **Opinion of Site Value**: 25.004
+
+### Depreciated Cost - Dwelling - [Structure Identifier]
+
+- **25.005**
+- **25.006 25.007 @ 25.008 25.009**
+- **Physical Depreciation**: 25.010 25.011
+- **Functional Depreciation**: 25.012 25.013
+- **External Depreciation**: 25.014 25.015
+- **Total Depreciation**: 25.016
+- **Manufactured Home Delivery, Installation, and Set Up**: 25.017
+
+### Remaining Economic Life
+
+- **25.019**
+- **Effective Age**: 25.020
+
+#### Commentary on Remaining Economic Life
+
+#### Commentary on Effective Age
+
+- **25.022**
+
+### Depreciated Cost - Outbuilding - [Outbuilding Type]
+
+- **25.023**
+- **25.024 25.025 @ 25.026 25.027**
+- **Physical Depreciation**: 25.028 25.029
+- **Functional Depreciation**: 25.030 25.031
+- **External Depreciation**: 25.032 25.033
+- **Total Depreciation**: 25.034
+- **Manufactured Home Delivery, Installation, and Set Up**: 25.035
+
+### As Is Value of Site Improvements
+
+| Description | Amount |
+|-------------|--------|
+| 25.037      | 25.038 |
+
+### Site Value
+
+- **Primary Site Valuation Method**: 25.040
+- **Opinion of Site Value**
+
+### Land Comparables
+
+| Assessor Parcel # | Address | County | Data Source | Number (APN) | Site Size | Sale Date | Price |
+|--------------------|---------|--------|-------------|--------------|-----------|-----------|-------|
+| 25.042, 25.043    | 25.044  | 25.045 | 25.046      | 25.047       | 25.048    | 25.049    |       |
+
+### Reconciliation of Site Value
+
+- **25.050**
+
+### General Description
+
+- **Cost Type**: 25.051
+- **Cost Method**: 25.055
+- **Cost Data Source**: 25.052
+- **Depreciation Method**: 25.056
+- **Quality Rating**: 25.053
+- **Effective Date**: 25.054
+
+### Cost Approach Commentary
+
+- **25.057**
+
+### Cost Approach Exhibits
+
+- **25.058.1 | 25.058.2**
+- **25.059.1**
+
+### Appraisal Details
+
+- **Appraisal Version#**: HF.002
+- **Appraiser ReferenceID**: HF.005
+- **Agency Case FileID**: HF.006
+- **Fannie Mae | Freddie Mac**: HF.003
+- **Client ReferenceID**: HF.007
+- **September 2024**: HF.004
+- **AMC ReferenceID**: HF.008
+```

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@@ -0,0 +1,45 @@
+```markdown
+# Uniform Residential Appraisal Report HF.001  
+Page [Page] of [Pages]
+
+## Apparent Defects, Damages, Deficiencies Requiring Action
+
+The items listed below represent the *As Is* condition as of the effective date of this report **1.032**.
+
+| Affects Soundness or Structural Integrity | Feature Location | Description | Recommended Action | Estimated Cost to Repair |
+|-------------------------------------------|------------------|-------------|--------------------|-------------------------|
+| **Site**                                  |                  |             |                    |                         |
+| 1.033                                     | 1.034            | 1.035       | 1.036              | 1.037                   | 1.038 |
+| **Dwelling Exterior - [Structure Identifier]** |                  |             |                    |                         |
+| 1.040                                     | 1.041            | 1.042       | 1.043              | 1.044                   | 1.045 |
+| **Unit Interior - [Structure Identifier] - [Unit Identifier]** |                  |             |                    |                         |
+| 1.048                                     | 1.049            | 1.050       | 1.051              | 1.052                   | 1.053 |
+| **Outbuilding - [Outbuilding Type]**      |                  |             |                    |                         |
+| 1.055                                     | 1.056            | 1.057       | 1.058              | 1.059                   | 1.060 |
+| **Unit Interior - [Outbuilding Type] - [Unit Identifier]** |                  |             |                    |                         |
+| 1.063                                     | 1.064            | 1.065       | 1.066              | 1.067                   | 1.068 |
+| **Vehicle Storage**                       |                  |             |                    |                         |
+| 1.069                                     | 1.070            | 1.071       | 1.072              | 1.073                   | 1.074 |
+| **Subject Property Amenities**            |                  |             |                    |                         |
+| 1.075                                     | 1.076            | 1.077       | 1.078              | 1.079                   | 1.080 |
+
+### Total Cost  
+**As Is Overall Condition Rating 1.082**  
+**Total Estimated Cost of Items**  
+
+Existing condition of the property as of the effective date of this appraisal, excluding all required repairs, alterations, or inspections.  
+**Recommended for Repair 1.083**  
+
+There are no apparent defects, damages, or deficiencies requiring action. For details, reference the ‘Reconciliation’ section. **1.084**  
+
+---
+
+**Appraisal Version # HF.002**  
+**Appraiser Reference ID HF.005**  
+**Agency Case FileID HF.006**  
+**Fannie Mae | Freddie Mac HF.003**  
+**Client ReferenceID HF.007**  
+
+**September 2024 HF.004**  
+**AMC ReferenceID HF.008**  
+```

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@@ -0,0 +1,73 @@
+```markdown
+# Uniform Residential Appraisal Report 4F.001  
+Page [Page] of [Pages]  
+
+## 29.000  
+
+### 29.001  
+This appraisal report is subject to the following scope of work, intended use, intended user, definition of market value, statement of assumptions and limiting conditions, and certifications. Modifications, additions, or deletions to the definition of market value or assumptions and limiting conditions are not permitted. The appraiser may expand the scope of work to include any additional research or analysis necessary based on the complexity of this appraisal assignment. Modifications or deletions to Intended Use, Intended User, and the certifications are also not permitted. However, additional Intended Use, Intended User, and certifications that do not constitute material alterations to this appraisal report, such as those required by law or those related to the appraiser’s continuing education or membership in an appraisal organization, are permitted.  
+
+## Scope of Work  
+The scope of work for this assignment is based on the applicable assignment elements, including: the client and any other intended users, the intended use, the definition of market value that follows, the effective date, the subject property and its relevant characteristics, and the applicable assignment conditions. The appraiser must, at a minimum: (1) obtain and review adequate and reliable information for the subject property; (2) research, verify, and analyze adequate and reliable data for the subject market area including data for each comparable property reported; and (3) report his or her analyses, opinions, and conclusions in this appraisal report.  
+
+### 29.002 Additional Scope of Work  
+Additional Scope of Work cannot be contrary to the original Scope of Work.  
+
+### 29.003  
+
+## Intended Use  
+
+### 29.004  
+The intended use of the opinions and conclusions contained in this appraisal report is for the intended user to evaluate the property that is the subject of this appraisal for a mortgage finance transaction or related activities.  
+
+### 29.005  
+The intended use of the appraisal is solely to assist FHA in assessing the risk of the Property securing the FHA-insured Mortgage (24 CFR § 200.145(b)).  
+
+### 29.006 Additional Intended Use  
+Additional Intended Use cannot be contrary to the original Intended Use.  
+
+### 29.007  
+
+## Intended User  
+
+### 29.008  
+The intended user of this report is the lender/client.  
+
+### 29.009  
+FHA and the Mortgagee are the intended users of this report.  
+
+The USDA and any other identified lender/client are intended users of this report.  
+
+The VA is also an intended user of this report.  
+
+### 29.010 Additional Intended Users  
+Additional Intended Users cannot be contrary to the original Intended User.  
+
+### 29.011  
+
+## Definition of Market Value  
+
+### 29.012  
+The most probable price that a property should bring in a competitive and open market under all conditions requisite to a fair sale with the buyer and seller each acting prudently and knowledgeably, and assuming the price is not affected by undue stimulus. Implicit in this definition is the consummation of a sale as of a specified date and the passing of title from seller to buyer under conditions whereby: (1) buyer and seller are typically motivated; (2) both parties are well informed or well advised, and each acting in what he or she considers his or her own best interest; (3) a reasonable time is allowed for exposure in the open market; (4) payment is made in terms of cash in U.S. dollars or in terms of financial arrangements comparable thereto; and (5) the price represents the normal consideration for the property sold unaffected by special or creative financing or sales concessions* granted by anyone associated with the sale.  
+
+### 29.013  
+*Adjustments to the comparables must be made for special or creative financing or sales concessions. No adjustments are necessary for costs that are normally paid by sellers as a result of tradition or law in a market area; these costs are readily identifiable because the seller pays these costs in virtually all sales transactions. Special or creative financing adjustments can be made to the comparable property by comparisons to financing terms offered by a third-party institutional lender that is not already involved in the property or transaction. Any adjustment should not be calculated on a mechanical dollar-for-dollar cost of the financing or concession, but the dollar amount of any adjustment should approximate the market's reaction to the financing or concessions based on the appraiser's judgment.  
+
+## Statement of Assumptions and Limiting Conditions  
+
+### 29.014  
+The appraiser assumes that the title is good and marketable unless he or she becomes aware of information to the contrary.  
+
+### 29.015  
+If the appraiser has included a sketch or floor plan in this appraisal report, it shows the approximate dimensions and is included only to assist the reader in visualizing the property and understanding the appraiser’s determination of its size.  
+
+---  
+**Appraisal Version #** HF.002  
+**Appraiser Reference ID** HF.005  
+**Agency Case File ID** HF.006  
+**Fannie Mae | Freddie Mac** HF.003  
+**Client Reference ID** HF.007  
+
+**September 2024** HF.004  
+**AMC Reference ID** HF.008  
+```

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+```markdown
+# Uniform Residential Appraisal Report HF.001  
+Page [Page] of [Pages]
+
+## 29.016  
+The appraiser has relied on data provided by third parties in this appraisal report. Such data may include, but is not limited to, floor plans, flood maps, multiple listing real estate services, tax assessment records, public land records, satellite imagery, virtual street views, property data services, surveys, engineering reports, and property data aggregations. After examination of the data and data sources, the appraiser has used only the data he or she considers reliable. The appraiser assumes there are no material omissions in the data relied upon and makes no guarantees, express or implied, regarding their accuracy. If the source date is prior to the effective date of the appraisal, the appraiser assumes the property characteristics and supporting information have not changed in the interim.
+
+## 29.017  
+The appraiser will not be required to give testimony or appear in court because he or she made an appraisal of the property in question, unless specific arrangements to do so have been made beforehand, or as otherwise required by law.
+
+## 29.018  
+The appraiser has noted in this appraisal report any adverse conditions (such as needed repairs, deterioration, the presence of hazardous wastes, toxic substances, etc.) that the appraiser became aware of during the development of this appraisal. Unless otherwise stated in this appraisal report, the appraiser has no knowledge of any hidden or unapparent physical deficiencies or adverse conditions of the property (such as, but not limited to, needed repairs, deterioration, the presence of hazardous wastes, toxic substances, adverse environmental conditions, etc.) that would make the property less valuable, and assumes that there are no such conditions and makes no guarantees or warranties, express or implied. The appraiser will not be responsible for any such conditions that do exist or for any engineering or testing that might be required to discover whether such conditions exist. Because the appraiser is not an expert in the field of environmental hazards, this appraisal report must not be considered as an environmental assessment of the property.
+
+## 29.019  
+The FHA Appraiser does not guarantee that the Property is free from defects. The appraisal establishes the value of the Property for mortgage insurance purposes only.
+
+---
+
+# Certifications
+
+## Appraiser Certifications
+
+### 29.020  
+The Appraiser certifies and agrees that:
+
+### 29.021  
+1. I have no present or prospective interest in the property that is the subject of this report, or relationship with the present or prospective owners or occupants of the subject property, or other parties involved in this transaction.
+
+### 29.022  
+2. I performed this assignment without bias with respect to the parties involved in this transaction, the property that is the subject of this report, or the demographics of the area where the property is located.
+
+### 29.023  
+3. I am aware of and have complied with all applicable laws and regulations including antidiscrimination laws, rules, and requirements that apply to the appraiser and to the assignment.
+
+### 29.024  
+4. I did not base any part of my appraisal on the actual or perceived race, color, religion, sex (including sexual orientation or gender identity), age (other than as applicable for legally age-restricted communities), marital status, disability, familial status, or national origin of the present or prospective owners or occupants of either the subject property or properties in the area of the subject property or on any other basis prohibited by the Fair Housing Act or the Equal Credit Opportunity Act, or any other basis prohibited by law.
+
+### 29.025  
+5. I stated in this appraisal report my own personal, unbiased, and professional analyses, opinions, and conclusions, which are subject only to the assumptions and limiting conditions in this appraisal report.
+
+### 29.026  
+6. I have, at a minimum, developed and reported this appraisal in accordance with the scope of work requirements stated in this appraisal report.
+
+### 29.027  
+7. I meet the credential requirements for this assignment as of the date of this appraisal report and have knowledge and experience in appraising this type of property in this market area.
+
+### 29.028  
+8. I am aware of, and have access to, the necessary and appropriate public and private data sources, such as multiple listing services, tax assessment records, public land records, and other such data sources for the area in which the property is located.
+
+### 29.029  
+9. I obtained the information, estimates, and opinions furnished by other parties and expressed in this appraisal report from reliable sources that I believe to be true and correct.
+
+### 29.030  
+10. I personally performed an onsite inspection of the interior and exterior areas of the subject property. I reported the readily observable condition of the improvements in factual, specific terms. I identified and reported any known physical deficiencies that could affect the soundness or structural integrity of the property.
+
+10. I personally performed an inspection of the exterior areas of the subject property from at least the street. I reported the readily observable condition of the improvements in factual, specific terms. I reported any known physical deficiencies that could affect the soundness or structural integrity of the property.
+
+10. I did not personally perform an onsite inspection of the subject property as part of this appraisal assignment. I reported the condition of the improvements in factual, specific terms, relying on subject property information data sources I considered reliable. I reported any known physical deficiencies that could affect the soundness or structural integrity of the property.
+
+### 29.031  
+11. I performed this appraisal in accordance with the requirements of the Uniform Standards of Professional Appraisal Practice that were adopted and promulgated by the Appraisal Standards Board of The Appraisal Foundation and that were in place at the time this appraisal report was transmitted.
+
+### 29.032  
+12. Using information available in the normal course of business, I researched, verified, analyzed, and reported on any current agreement for sale for the subject property, any offering for sale of the subject property in the twelve months prior to the effective date of this appraisal, and the prior sales of the subject property for a minimum of three years prior to the effective date of this appraisal.
+
+---
+
+Appraisal Version # HF.002  
+Appraiser Reference ID HF.005  
+Agency Case File ID HF.006  
+Fannie Mae | Freddie Mac HF.003  
+Client Reference ID HF.007  
+
+September 2024 HF.004  
+AMC Reference ID HF.008  
+```

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+```markdown
+# Uniform Residential Appraisal Report — F.001  
+Page [Page] of [Pages]
+
+## Assignment Information
+
+- **Assignment Reason**: 2.000  
+- **Property Valuation Method**: 2.004  
+- **Borrower Name**: 2.001  
+  - Yes  
+  - No  
+- **Seller Name**: 2.002  
+  - Was a Property Data Report used in lieu of an Inspection? 2.005 LJ  
+- **Current Owner of Public Record**: 2.003  
+
+- **Appraiser Fee**: 2.006  
+- **AMC Fee**: 2.007  
+- **Government Agency**: 2.008  
+- **Investor Requested Special Identification**: 2.009  
+
+## Contact Information
+
+- **[Role]/[Role]**: 2.010 / 2.011  
+- **Company Name**: 2.012  
+  - **Credentials**:  
+    - ID: 2.014  
+    - State: 2.015  
+    - Expires: 2.016  
+- **Company Address**: 2.013  
+
+## Appraiser
+
+- **Name**: 2.017  
+  - **Credentials**:  
+    - Designation: 2.018  
+    - Level: 2.024  
+    - ID: 2.025  
+    - State: 2.026  
+    - Expires: 2.027  
+- **Company Name**: 2.019  
+- **Company Address**: 2.020  
+- **Scope of Inspection by Appraiser**:  
+  - Subject Property Inspection: ASC Identifier 2.028  
+  - Exterior: 2.021  
+  - Interior: 2.022  
+  - Inspection Date: 2.023  
+  - VA Appraiser ID: 2.029  
+  - FHA Appraiser ID: 2.030  
+  - Employment Type: 2.031  
+
+## Supervisory Appraiser
+
+- **Name**: 2.032  
+  - **Credentials**:  
+    - Designation: 2.033  
+    - Level: 2.039  
+    - ID: 2.040  
+    - State: 2.041  
+    - Expires: 2.042  
+- **Company Name**: 2.034  
+- **Company Address**: 2.035  
+- **Scope of Inspection by Supervisory Appraiser**:  
+  - Subject Property Inspection: ASC Identifier 2.043  
+  - Exterior: 2.036  
+  - Interior: 2.037  
+  - Inspection Date: 2.038  
+  - VA Appraiser ID: 2.044  
+  - FHA Appraiser ID: 2.045  
+  - Employment Type: 2.046  
+
+## Significant Real Property Appraisal Assistance
+
+- **Name**: 2.047  
+  - **Credentials**:  
+    - Level: 2.049  
+    - ID: 2.050  
+    - State: 2.051  
+    - Expires: 2.052  
+- **Description**: 2.048  
+
+## Property Data Report
+
+- **Name**: 2.053  
+- **Occupation**: 2.054  
+- **Company Name**: 2.055  
+- **Company Address**: 2.056  
+- **Reference ID**: 2.057  
+- **Subject Property Inspection**:  
+  - Exterior: 2.058  
+  - Interior: 2.059  
+  - Inspection Date: 2.060  
+
+## Assignment Information and Scope of Work Commentary
+
+- **2.061**  
+- **Assignment Information Exhibits**:  
+  - 2.062.1 | 2.062.2  
+
+## Appraisal Version
+
+- **#**: HF.002  
+- **Appraiser Reference ID**: HF.005  
+- **Agency Case File ID**: HF.006  
+- **Fannie Mae | Freddie Mac**: HF.003  
+- **Client Reference ID**: HF.007  
+- **September 2024**: HF.004  
+- **AMC Reference ID**: HF.008  
+```

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+```markdown
+# Uniform Residential Appraisal Report — F.001
+
+**Page [Page] of [Pages]**
+
+## Subject Property
+
+### Physical Address
+- **3.000** Attachment Type: 3.004
+- **3.001** Alternate Physical Address: Units Excluding ADUs: 3.005
+- **3.002** County: Accessory Dwelling Units: 3.006
+- **3.003** Neighborhood Name: Dwellings Containing Units: 3.007
+
+### Special Tax Assessments
+- **3.008** Yes/No: 
+- **3.010** Description of Special Tax Assessments and Impact to Value/Marketability: 3.009
+
+### Property Type
+- **3.011** Planned Unit Development (PUD): 
+- **3.012** Condominium: 
+- **3.013** Cooperative: 
+- **3.014** Condop: 
+- **3.015** Property on Native American Lands: 
+- **3.016** Subject Site Owned in Common: 
+- **3.017** Homeowner Responsible for all Exterior Maintenance of Dwelling(s): 
+- **3.018** New Construction: 
+- **3.019** Construction Stage: 
+
+## Ownership Rights
+
+### Property Rights Appraised
+- **3.020** All Rights Included in Appraisal: 3.027
+- **3.021** Community Land Trust: 
+- **3.022** Native American Lands: 
+- **3.023** Mineral Rights Leased: 
+- **3.024** Ground Rent Annual Amount: 
+- **3.025** Renewable: 
+- **3.026** Term: 
+- **3.027** Expires: 
+- **3.028** Description of Rights Not Included: 3.030
+- **3.029** Description of Ground Rent and Impact to Value/Marketability: 3.026
+
+## Legal Description
+- **3.031** 3.031.1 | 3.031.2
+
+## Subject Property Commentary
+- **3.032**
+
+## Subject Property Exhibits
+- **3.033.1** | **3.033.2**
+
+## Appraisal Version
+- **# HF.002**
+
+## Fannie Mae | Freddie Mac
+- **HF.003** September 2024
+
+## Appraiser Reference
+- **ID HF.005**
+
+## Agency Case File
+- **ID HF.006**
+
+## Client Reference
+- **ID HF.007**
+
+## AMC Reference
+- **ID HF.008**
+```

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+```markdown
+# Uniform Residential Appraisal Report
+
+## Page [Page] of [Pages]
+
+### Total Site Size
+- **4.000** Number of Parcels: **4.002**
+- **Dimensions**: 4.001
+- **Contiguous**: 4.003
+
+### Elements Dividing Parcels
+- **4.004**
+
+### Assessor Parcel Number (APN)
+| APN | Description | Parcel Size |
+|-----|-------------|-------------|
+| 4.005 | 4.006 | 4.007 |
+
+### Zoning Property Access
+- **Compliance**: 4.008
+- **Primary Access**: 4.020
+- **Classification Code**: 4.009
+- **Street Type and Surface**: 4.021
+- **Classification Code Description**: 4.010
+- **Known Maintenance Agreement**: 4.022
+- **Reasons Illegal**: 4.011
+- **Typical for Market**: 4.023
+- **Impact**: 4.012
+- **Description of Property Access**: 4.024
+- **Rebuildable to Current Density/Use**: 4.013
+- **Description of Zoning Compliance**: 4.014
+
+### Property Use
+- **Primarily Residential**: 4.015
+- **Residential Use**: 4.016
+- **Non-Residential Use**: 4.017
+- **Non-Residential Modification**: 4.018
+- **Description of Non-Residential Use/Modification**: 4.019
+
+### Site Influence
+| Influence | Proximity | Detail | Impact | Comment |
+|-----------|-----------|--------|--------|---------|
+| 4.025 | 4.026 | 4.027 | 4.028 | 4.029 |
+
+### Site Influence Commentary
+- **4.030**
+
+### Water Frontage with Private Access
+- **Total Linear Measurement**: 4.031
+- **Permanent Waterfront Feature**: 4.032
+
+### Right to Build
+| Frontage Name | Waterfront Access Rights | Access Depth |
+|---------------|--------------------------|--------------|
+| 4.034 | 4.035 | 4.036 | 4.037 |
+
+### Water Frontage Commentary
+- **4.038**
+
+### View and Impact to Value/Marketability
+| View | Range of View | Impact |
+|------|---------------|--------|
+| 4.039 | 4.040 | 4.041 |
+
+### View Commentary
+- **4.042**
+
+### Site Features and Impact to Value/Marketability
+| Feature | Detail | Impact | Comment |
+|---------|--------|--------|---------|
+| Non-Residential Property Use | 4.043 | 4.044 | 4.045 | 4.046 |
+| Hazard Zone | 4.047 | 4.048 | 4.049 |
+| Property Restriction | 4.050 | 4.051 | 4.052 | 4.053 |
+| Easement | 4.054 | 4.055 | 4.056 | 4.057 |
+| Encroachment | 4.058 | 4.059 | 4.060 | 4.061 |
+| Site Characteristic | 4.062 | 4.063 | 4.064 | 4.065 |
+
+### Site Features Commentary
+- **4.066**
+
+### Utilities and Impact to Value/Marketability
+- **Broadband Internet Available**: 4.967
+- **Dwelling/Improvement within Utility Easement**: 4.968
+
+#### Private Utility
+| Public | Private | Detail | Impact | Comment |
+|--------|---------|--------|--------|---------|
+| Electricity | 4.069 | 4.070 | 4.071 | 4.072 | 4.073 | 4.074 |
+| Gas | 4.075 | 4.076 | 4.077 | 4.078 | 4.079 | 4.080 |
+| Sanitary Sewer | 4.081 | 4.082 | 4.083 | 4.084 | 4.085 | 4.086 |
+| Water | 4.087 | 4.088 | 4.089 | 4.090 | 4.091 | 4.092 |
+| 4.093 | 4.094 | 4.095 | 4.096 | 4.097 | 4.098 |
+
+### Appraisal Version
+- **# HF.002**
+
+### Fannie Mae | Freddie Mac
+- **HF.003**
+- **September 2024 HF.004**
+
+### Appraiser Reference
+- **ID HF.005**
+- **Agency Case File ID HF.006**
+- **Client Reference ID HF.007**
+- **AMC Reference ID HF.008**
+```

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+```markdown
+# Uniform Residential Appraisal Report 1F.001  
+Page [Page] of [Pages]
+
+## Apparent Defects, Damages, Deficiencies (Site)  
+The items listed below represent the As Is condition as of the effective date of this report 4.099  
+
+| Feature Location | Description | Affects Soundness or Structural Integrity | Recommended Action |  
+|------------------|-------------|------------------------------------------|---------------------|  
+| 4.100            | 4.101       | 4.102                                    | 4.103               |  
+| 4.104            |             |                                          |                     |  
+
+## Site Valuation Methodology  
+
+**Opinion of Site Value = 4.105**  
+**Primary Site Valuation Method 4.106**  
+
+| Address | County | Data Source | Assessor Parcel Number (APN) | Site Size | Sale Date | Price |  
+|---------|--------|-------------|------------------------------|-----------|-----------|-------|  
+| 4.107  | 4.108  | 4.109       | 4.110                        | 4.111     | 4.112     | 4.113 |  
+| 4.114  |        |             |                              |           |           |       |  
+
+### Reconciliation of Site Value 4.115  
+
+### Site Commentary  
+4.116  
+
+### Site Exhibits  
+4.117.1 | 4.117.2  
+4.118.1 | 4.118.2  
+4.119.1 | 4.119.2  
+4.017.1 | 4.017.2  
+4.020.1 | 4.020.2  
+4.025.1 | 4.025.2  
+4.032.1 | 4.032.2  
+4.034.1 | 4.034.2  
+4.039.1 | 4.039.2  
+4.059.1 | 4.059.2  
+4.063.1 | 4.063.2  
+4.100.1 | 4.10.2  
+
+---
+
+**Appraisal Version # HF.002**  
+**Appraiser ReferenceID = HF.005**  
+**Agency Case FileID HF.006**  
+**Fannie Mae | Freddie Mac HF.003**  
+**Client ReferenceID HF.007**  
+
+**September 2024 HF.004**  
+**AMC ReferenceID HF.008**  
+```

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+```markdown
+# Uniform Residential Appraisal Report = 4F.001  
+Page [Page] of [Pages]
+
+## Disaster Mitigation
+
+### Mitigation Feature  
+5.000
+
+### Disaster Mitigation Commentary  
+5.001
+
+### Disaster Mitigation Exhibits  
+5.002.1 | 5.002.2
+
+---
+
+**Appraisal Version #** HF.002  
+**Appraiser ReferenceID** HF.005  
+**Agency Case FileID** HF.006  
+**Fannie Mae | Freddie Mac** HF.003  
+**Client ReferenceID** HF.007  
+
+**September 2024** HF.004  
+**AMC ReferenceID** HF.008
+```

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+```markdown
+# UMDP
+
+## UNIFORM MORTGAGE DATA PROGRAM
+
+- Fannie Mae
+- Freddie Mac
+
+### Uniform Appraisal Dataset (UAD) Specification
+
+Issued by Fannie Mae and Freddie Mac  
+Appendix F-1: URAR Reference Guide  
+Document Version 1.2
+
+**September 17, 2024**
+
+This document relates to the Uniform Mortgage Data Program®, an effort undertaken jointly by Freddie Mac and Fannie Mae at the direction of the Federal Housing Finance Agency.  
+©2024 Fannie Mae and Freddie Mac. Trademarks of the respective owners.
+```

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+# Uniform Appraisal Dataset Overview
+
+**Definition / Additional Guidance**: The definition in business terms, including notes and examples, a list of allowable answers, and additional guidance.
+- **Note**: Allowable answers with complex definitions are in a separate table.
+
+The Summary and Reconciliation sections redisplay information from other sections and therefore have additional columns:
+- **When Displayed in Summary Section**
+  - Examples: Always displays, If applicable, When there are property restrictions
+- **Origin of Information (Section)**: The section, Field Name, and Report Field ID from which the Summary or Reconciliation information populates
+
+The grids in Sales Comparison Approach, Rental Information, and Income Approach have additional columns.
+- **When Row Displays**
+  - Examples: Always, If relevant, If applicable, Required if New Construction for the subject property is Yes
+  - **Note**: When a row displays is not always the same as when subject or comparable information is required.
+
+- **When to Include for each Comparable**: When the information is required for each comparable.
+
+- **Origin of Subject Property Information**: The section, Field Name, and Report Field ID for subject property information that populates the grid, or an indication that the information does not populate from other sections and that the appraiser must enter information for the subject property.
+
+- **Adjustable Row**: Whether or not the row is adjustable.
+
+## Document Conventions
+
+The following fonts and colors are used in this document:
+- **Section names** (black tabs) and subsections (gray bars, tables, or groupings of related information) are bold.
+- **Report Field ID**: A red number identifies the specific location of the field on the URAR.
+  - The number starts with the section number, as shown in URAR Section Organization. For example, fields displaying in the Subject Property section start with 3.
+  - **Not on Report** indicates that the information is included in the data but does not display.
+  - Specific Report Field IDs for photos and images are not indicated in the Reference Guide. Refer to the iGuide or UAD Spec for more information.
+- Green rows in tables in the Reference Guide represent information that is applicable only to FHA, VA, or USDA appraisals.
+- *Field Names* in the Reference Guide use business terminology and are in italics.
+  - *Field Names* provide additional clarity to the Report Label, and express conditionality ("When to include") in business terms.
+  - *Field Names* in the Reference Guide are similar to, but not the same as, the MISMO Data Point Name in the iGuide and UAD Spec.
+
+Appendix F-1: URAR Reference Guide Page 10 of 367 Version 1.2

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+```markdown
+# Uniform Appraisal Dataset 08 Dwelling Exterior
+
+## Quality and Condition
+
+The Quality and Condition subsection (gray bar) including the Exterior Features table displays if Homeowner Responsible for all Exterior Maintenance of Dwellings (3.016) is Yes, and the “When to Include” column in this chapter reflects this.
+
+If Homeowner Responsible for all Exterior Maintenance of Dwellings is No, this subsection does not display.
+
+> Note: Any observed project deficiencies are reported in the Project Information section (18.014) and not here.
+
+### Quality and Condition
+
+- **Exterior Quality Rating**: 8.022
+- **Exterior Condition Rating**: 9 923
+
+The table below supports the Exterior Quality and Condition ratings and reflects the market value condition of this report 8.024
+
+### Exterior Features
+
+| Feature                 | Detail | Quality Comment | Condition Status | Condition Comment |
+|-------------------------|--------|-----------------|------------------|-------------------|
+| Exterior Walls and Trim | 8.041  | 8.025           | 8.026            | 8.027             |
+| Foundation              | 8.041  | 8.029           | 8.030            | 8.031             |
+| Roof                    | 8.041  | 8.033           | 8.034            | 8.035             |
+| Windows                 | 8.041  | 8.037           | 8.038            | 8.039             |
+|                         | 8.041  | 8.042           | 8.043            | 8.044             |
+
+## Exterior Quality and Condition Ratings
+
+**Dwelling Exterior**: Quality and Condition - Exterior Quality and Condition Ratings
+
+| ued Report Label | When to Include                                | Alsmelits Definition / Additional Guidance                                                            |
+|------------------|-----------------------------------------------|-------------------------------------------------------------------------------------------------------|
+| Exterior Quality | Required if Ql to Q6                           | Reference Appendix 2: Condition and Quality Rating Definitions for definitions.                        |
+| Rating           | Homeowner Responsible for all Exterior         | If applicable, Exterior Quality Rating also displays in Overall Quality and Condition (15.002) and Sales Comparison Approach (22.08.02). |
+|                  | Maintenance of Dwellings is Yes                |                                                                                                       |
+| 8.023 Exterior   | Required if C1 to C6                           | Reference Appendix 2: Condition and Quality Rating Definitions for definitions.                        |
+| Condition Rating | Homeowner Responsible for all Exterior         | If applicable, Exterior Condition Rating also displays in Overall Quality and Condition (15.007) and Sales Comparison Approach (22.08.09). |
+|                  | Maintenance of Dwellings is Yes                |                                                                                                       |
+
+> Note: Reflects the condition as if any required repairs, inspections, or completions have been satisfactorily completed.
+
+---
+
+Appendix F-1: URAR Reference Guide Page 100 of 367 Version 1.2
+```

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+```markdown
+# Uniform Appraisal Dataset
+
+## 08 Dwelling Exterior
+
+### Exterior Features
+
+The Exterior Features table supports the Exterior Quality and Condition ratings, and includes a row for each of the following:  
+- Exterior Walls and Trim  
+- Foundation  
+- Roof  
+- Windows  
+- Other (Describe) (Displays when relevant)  
+
+#### Information for each Exterior Feature
+
+**Dwelling Exterior: Quality and Condition — Information for each Exterior Feature**
+
+| Report Field ID | Report Label | Feature           | Quality Comment | Condition Comment | When to Include                                                                                                                                   | Allowable Answers / Format                                                                                                                                 |
+|-----------------|--------------|-------------------|-----------------|------------------|--------------------------------------------------------------------------------------------------------------------------------------------------|------------------------------------------------------------------------------------------------------------------------------------------------------------|
+| 8.041           |              |                   |                 |                  | Always displays                                                                                                                                  |                                                                                                                                                            |
+| 8.028           |              |                   |                 |                  | Always required                                                                                                                                  |                                                                                                                                                            |
+|                 |              |                   | If needed to describe the current quality of the exterior feature                                         |                  | If needed to describe the current condition of the exterior feature                                         | Choose applicable answers from the Definition / Additional Guidance column                     | Free-form                                                                                                                                                  |
+| 8.032           |              |                   |                 |                  |                                                                                                                                                  |
+| 8.036           |              |                   |                 |                  |                                                                                                                                                  |
+| 8.040           |              |                   |                 |                  |                                                                                                                                                  |
+| 8.045           |              |                   |                 |                  |                                                                                                                                                  |
+
+##### Definition / Additional Guidance
+
+The table below supports the Exterior Quality and Condition ratings and reflects the market value condition of this report
+
+**Exterior Feature**
+
+- Exterior Walls and Trim
+- Foundation
+- Roof
+- Windows
+- Other (Describe) - If applicable (Exterior Feature Other Description)
+
+##### Brief description of the quality of the exterior feature as of the effective date.
+
+For further expansion of commentary, use Dwelling Exterior Commentary (8.061).
+
+**Notes:**
+
+- For manufactured homes, the appraiser must indicate whether tie downs or anchoring systems exist.
+- For CHOICEHome® and MH Advantage®, the appraiser must confirm whether or not the home has a “solid perimeter foundation”.
+
+A brief description of the current condition of the exterior feature as of the effective date. For further expansion of commentary, use Dwelling Exterior Commentary (8.061).
+
+When the item will cause the Market Value Condition of the appraisal (26.009) to be subject to repair, the appraiser must also reference the Apparent Defects, Damages, Deficiencies table.
+
+Appendix F-1: URAR Reference Guide
+
+Page 101 of 367
+
+Version 1.2
+```

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+# Uniform Appraisal Dataset 08 Dwelling Exterior
+
+## About Condition Status for Exterior Features
+
+Condition Status must be provided for each exterior feature. If there are varying condition statuses for the exterior feature, choose the one that best explains the Exterior Condition Rating.
+
+Individual items that are noted to have defects, damages, or deficiencies must be reported in the Apparent Defects, Damages, and Deficiencies (Dwelling Exterior) subsection. If Recommended Action for the associated defect, damage, or deficiency is Repair, Condition Status must reflect the repaired state:
+
+- New or Like New, or
+- Typical Wear and Tear, or
+- Damaged and Functional
+
+## Dwelling Exterior (continued)
+
+### Quality and Condition
+
+- **Exterior Quality Rating**: a4
+- **Exterior Condition Rating**: fey
+
+The table below supports the Exterior Quality and Condition ratings and reflects the market value condition of this report.
+
+### Exterior Features
+
+| Feature Detail          | Quality Comment     | Condition Status     | Condition Comment                                             |
+|-------------------------|---------------------|----------------------|----------------------------------------------------------------|
+| Exterior Walls and Trim | Vinyl               | Typical Wear and Tear | Minor cracks to vinyl typical for age.                         |
+| Foundation              | Poured Concrete | Basement | Typical Wear and Tear |                                                          |
+| Roof                    | Composition         | Typical Wear and Tear | Reported condition is subject to repair; see defects table and commentary below. Estimated Age: 10-20 years |
+| Windows                 | Vinyl Double Hung Double Thermal Pane | Typical Wear and Tear | Windows same age as house. Thermal Pane contributes to Energy Efficiency. |
+
+## Apparent Defects, Damages, Deficiencies (Dwelling Exterior)
+
+The items listed below represent the As Is condition as of the effective date of this report.
+
+| Location          | Description                                                          | Affects Soundness or Structural Integrity | Recommended Action |
+|-------------------|----------------------------------------------------------------------|------------------------------------------|--------------------|
+| Section of Roof   | Damaged roof with missing flashing leaving the roof permeable to water intrusion | Yes                                      | Repair             |
+
+## Dwelling Exterior Commentary
+
+Condition Status is reflective of noted repair having been completed.
+
+### Exterior Feature Condition Status (Choose one)
+
+#### Allowable Answer Definition / Additional Guidance
+
+- **New or Like New**: The feature is new or like new with no visible signs of use.  
+  *Note: This would be the typical answer when New Construction (3.017) is Yes.*
+
+- **Typical Wear and Tear**: The feature is fully functional and exhibits minimal wear and tear, with visible signs of use.
+
+- **Damaged and Functional**: The feature is damaged and exhibits moderate wear and tear but can still function as intended or designed.  
+  Examples:
+  - Exterior Walls and Trim: Dents to siding or minor crack to masonry.
+  - Foundation: Minor settlement cracks.
+  - Roof: Roofing is worn or patched but with no apparent active leaks.
+  - Windows: Broken seals, painted shut, or broken sash cords.
+
+- **Damaged and Nonfunctional**: The feature is damaged and exhibits significant wear and tear to the level that it can no longer function as intended or designed.  
+  Examples:
+  - Exterior Walls and Trim: Damaged or missing siding or trim that allows weather intrusion.
+  - Foundation: Damaged or failing foundation.
+  - Roof: Active roof leaks.
+  - Windows: Broken or missing panes.  
+  *Note: If this answer is selected, individual damages and structural issues must be reported in the Apparent Defects, Damages, and Deficiencies (Dwelling Exterior) subsection.*
+
+---
+
+*Appendix F-1: URAR Reference Guide Page 102 of 367 Version 1.2*

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+```markdown
+# Uniform Appraisal Dataset
+
+## 08 Dwelling Exterior
+
+### Exterior Walls and Trim
+
+The Exterior Walls and Trim row always displays in the Exterior Features table.
+
+#### Dwelling Exterior: Quality and Condition - Exterior Features - Exterior Walls and Trim
+
+- **Report Field ID**: 8.027
+- **Report Label**: Condition Status
+
+#### Allowable
+
+**When to Include Answers / Format**
+
+- Always required. Choose one or more allowable answers from the Definition / Additional Guidance column.
+- Always required. Choose an allowable answer.
+
+#### Definition / Additional Guidance
+
+- **Exterior Wall Material**: The type of wall material used for the structure. May be commonly referred to as siding.
+- **Exterior Walls and Trim Condition Status**: The condition status of the exterior walls and trim.
+
+##### Materials
+
+- Adobe
+- Aluminum
+- Asbestos
+- Brick
+- Cement Board
+- Concrete Block
+- Engineered Wood
+- Glass
+- Log
+- Poured Concrete
+- Steel
+- Stone
+- Stucco
+- Synthetic Stone
+- Synthetic Stucco
+- Vinyl
+- Wood
+- Other (Describe)
+
+##### Condition Status
+
+- New or Like New
+- Typical Wear and Tear
+- Damaged and Functional
+- Damaged and Nonfunctional
+
+**Notes:**
+
+- If there are varying condition statuses for the exterior walls and trim, choose the one that best explains the Exterior Condition Rating.
+- Condition Status reflects the required repairs, inspections, or completions as if they were completed. The current condition is noted in the Apparent Defects, Damages, and Deficiencies (Dwelling Exterior) subsection.
+- Individual damages must be reported in the Apparent Defects, Damages, and Deficiencies (Dwelling Exterior) subsection.
+
+*Appendix F-1: URAR Reference Guide Page 103 of 367 Version 1.2*
+```

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+```markdown
+# Uniform Appraisal Dataset
+
+## 08 Dwelling Exterior
+
+### Foundation
+
+The Foundation row always displays in the Exterior Features table.
+
+#### Dwelling Exterior: Quality and Condition - Exterior Features - Foundation
+
+#### Report
+- **Field ID:** 8.029
+- **Report Label:** Detail
+- **When to Include:** Always required
+
+#### Allowable Answers / Format
+Choose one or more allowable answers from the Definition / Additional Guidance column and table.
+
+#### Definition / Additional Guidance
+
+**Foundation Material:** The material components of the base that the structure is built upon.
+- Brick
+- Concrete Block
+- Metal
+- Poured Concrete
+- Stone
+- Wood
+- Other (Describe)
+
+**Foundation Type**
+- Basement
+- Crawl Space
+- Post and Pier
+- Runner
+- Slab
+- Other (Describe)
+
+**Notes:**
+
+- For manufactured homes, the appraiser must indicate in Quality Comment (8.030) whether tie downs or anchoring systems exist.
+- For CHOICEHome® and MH Advantage®, the appraiser must indicate in Quality Comment (8.030) whether or not the home has a "solid perimeter foundation".
+- If a manufactured home is not securely anchored, this must be reported in the Apparent Defects, Damages, and Deficiencies (Dwelling Exterior) subsection.
+
+#### Detail
+
+##### Condition Status
+- **Required for FHA and USDA appraisals when Foundation Type is Crawl Space**
+- **Required if Crawl Space Accessible for Observation is Yes**
+- **Always required**
+- Allowable Answers: Yes | No
+
+##### Exterior Feature Condition Status
+
+**Crawl Space Accessible for Observation:** Indicates whether the crawl space is accessible for visual observation.
+- Yes
+- No (Inaccessible)
+
+Reference the appropriate government agency appraisal guidelines.
+
+**Visual Observation of Crawl Space Completed:** Indicates whether a visual observation of the crawl space, as defined by the applicable organization, was completed.
+- Yes (Visual Observation Completed)
+- No (No Visual Observation Completed)
+
+Reference the appropriate government agency appraisal guidelines.
+
+**Foundation Condition Status:** The condition status of the foundation.
+- New or Like New
+- Typical Wear and Tear
+- Damaged and Functional
+- Damaged and Nonfunctional
+
+**Notes:**
+
+- If there are varying condition statuses for the foundation, choose the one that best explains the Exterior Condition Rating.
+- Condition Status reflects the required repairs, inspections, or completions as if they were completed. The current condition is noted in the Apparent Defects, Damages, and Deficiencies (Dwelling Exterior) subsection.
+- Individual damages must be reported in the Apparent Defects, Damages, and Deficiencies (Dwelling Exterior) subsection.
+
+---
+
+**Appendix F-1: URAR Reference Guide**
+
+Page 104 of 367
+
+Version 1.2
+```

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+```markdown
+# Uniform Appraisal Dataset 08 Dwelling Exterior
+
+## Foundation Type (Choose all that apply)
+
+### Allowable Answer Definition / Additional Guidance
+
+- **Basement**  
+  Fully or partially below grade structural foundation style consisting of walls that bear weight on foundation footings running along the perimeter of the structure.
+
+- **Crawl Space**  
+  A foundation style consisting of unfinished, typically narrow space between the building and the ground or the improved surface.
+
+- **Runner**  
+  A foundation style that consists of rows of concrete footings poured into the ground intended to support the structure.
+
+- **Slab**  
+  A foundation style that consists of a slab of concrete that sits directly on grade supporting the structure.
+
+- **Other (Describe)**  
+  Select Other to enter an answer that is not in the above list.
+
+## Roof
+
+The Roof row always displays in the Exterior Features table.
+
+**Dwelling Exterior: Quality and Condition - Exterior Features - Roof**
+
+### Report Allowable
+
+- **Field**  
+  Always required
+
+- **Report Label When to Include**  
+  Roof Observable: Indicates whether the majority of the roof is observable from ground level.
+
+  - **Yes**
+  - **No**  
+    The individual performing the inspection was unable to make an informed determination on the condition status of the roof, such as when the roof is snow-covered.
+
+**Notes:**
+
+- If No, “(Unobservable)” displays. When the appraiser is unable to view the roof, explain why the roof is unobservable and report the results based on the assessment of the ceilings in Dwelling Exterior Commentary (8.061). For government agency appraisals, reference the appropriate guidelines.
+
+### 8.033 Detail 
+
+- **Always required**  
+  Choose one or more allowable answers from the Definition / Additional Guidance column
+
+**Roof Material**
+
+- *Asbestos*
+- *Asphalt*
+- *Ceramic Tile*
+- *Clay*
+- *Composition*
+- *Concrete*
+- *Copper*
+- *Metal*
+- *Rubber*
+- *Slate*
+- *Solar Shingles*
+- *Synthetic*
+- *Tar/Gravel*
+- *Wood*
+- *Other (Describe)*
+
+### Detail
+
+- **Always required**
+
+**Choose an Estimated Age:**
+
+The appraiser’s estimate of when the roof was last replaced.
+
+- *Less than 1 year*
+- *1-10 years*
+- *10-20 years*
+- *More than 20 years*
+
+**Note:**  
+If there are varying ages for the roof, choose the one that best explains the Exterior Condition Rating.
+
+---
+
+Appendix F-1: URAR Reference Guide Page 105 of 367 Version 1.2
+```

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+```markdown
+# Uniform Appraisal Dataset 08 Dwelling Exterior
+
+## Dwelling Exterior: Quality and Condition - Exterior Features - Roof
+
+### Report Allowable
+
+| Report Label | When to Include | Definition / Additional Guidance |
+|--------------|-----------------|----------------------------------|
+| Field ID | 8.035 |
+| Answers / Format | Condition Status | Required if Roof Observable is Yes | Choose an Roof Condition Status: The condition status of the roof. |
+| | | | e New or Like New |
+| | | | Typical Wear and Tear |
+| | | | Damaged and Functional |
+| | | | Damaged and Nonfunctional |
+
+**Notes:**
+
+- If there are varying condition statuses for the roof, choose the one that best explains the Exterior Condition Rating.
+- Condition Status reflects the required repairs, inspections, or completions as if they were completed. The current condition is noted in the Apparent Defects, Damages, and Deficiencies (Dwelling Exterior) subsection.
+- Individual damages must be reported in the Apparent Defects, Damages, and Deficiencies (Dwelling Exterior) subsection.
+
+## Windows
+
+The Windows row always displays in the Exterior Features table.
+
+## Dwelling Exterior: Quality and Condition - Exterior Features - Windows
+
+### Report Allowable
+
+| Report Label | When to Include | Definition / Additional Guidance |
+|--------------|-----------------|----------------------------------|
+| Field ID | Detail | Always required | Free-form Brief description of the windows. |
+| | | Note: For further expansion of commentary, use Dwelling Exterior Commentary (8.061). |
+| Field ID | 8.039 |
+| Answers / Format | Condition Status | Always required | Choose an Windows Condition Status: The condition status of the windows. |
+| | | | e New or Like New |
+| | | | Typical Wear and Tear |
+| | | | Damaged and Functional |
+| | | | Damaged and Nonfunctional |
+
+**Notes:**
+
+- If there are varying condition statuses for the windows, choose the one that best explains the Exterior Condition Rating.
+- Condition Status reflects the required repairs, inspections, or completions as if they were completed. The current condition is noted in the Apparent Defects, Damages, and Deficiencies (Dwelling Exterior) subsection.
+- Individual damages must be reported in the Apparent Defects, Damages, and Deficiencies (Dwelling Exterior) subsection.
+
+Appendix F-1: URAR Reference Guide Page 106 of 367 Version 1.2
+```

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+# Uniform Appraisal Dataset 08 Dwelling Exterior
+
+## Other Exterior Feature
+
+Rows can be added to the Exterior Features table for other feature(s) that are significant to the Exterior Quality and Condition Ratings. A row displays in the Exterior Features table for each additional exterior feature that is provided.
+
+### OTHER EXTERIOR FEATURE EXAMPLE IN DWELLING EXTERIOR AND SALES COMPARISON APPROACH
+
+In this example, Ornamentation was added as an additional exterior feature in the Exterior Features table.
+
+#### Exterior Features
+
+| Feature               | Detail                                                                                               | Quality        | Comment                         | Condition            | Status                    | Condition Comment              |
+|-----------------------|------------------------------------------------------------------------------------------------------|----------------|---------------------------------|----------------------|---------------------------|--------------------------------|
+| Exterior Walls and Trim | Brick                                                                                               |                 | Typical Wear and Tear           |                      |                           | Minor cracks in mortar joints  |
+| Foundation            | Poured Concrete \| Basement                                                                          |                 | Typical Wear and Tear           |                      |                           |                                |
+| Roof                  | Composition                                                                                          |                 | Typical Wear and Tear           |                      |                           |                                |
+|                       |                                                                                                      |                | Estimated Age: 10-20 years      |                      |                           |                                |
+| Windows               | Vinyl Double thermal pane                                                                             |                 | Typical Wear and Tear           | Windows same age as house |                           |                               |
+| Ornamentation         | Concrete cornices and frieze \| Good quality custom cornices and frieze                               |                 | Typical Wear and Tear           |                      |                           |                                |
+
+The additional exterior feature (Ornamentation) was also brought into the Sales Comparison Approach (22.08.07, 22.08.14) to support the Quality and Condition ratings. Comps 1 and 2 did not have ornamentation, so “None” was entered.
+
+#### Subject Property Comparables
+
+|                          | Subject Property | Comparable #1 | Comparable #2 | Comparable #3 |
+|--------------------------|-----------------|---------------|---------------|---------------|
+| **Exterior Quality and Condition** |                 |               |               |               |
+| Quality                  | Q3              | Q3            | Q4            | Q3            |
+| Exterior Walls and Trim  | Brick           | Brick         | Vinyl         | Cement Board  |
+| Roof                     | Composition     | Composition   | Composition   | Composition   |
+| Ornamentation            | Custom concrete cornices and frieze | None          | None          | Cornices and frieze |
+| Condition                | c3              | c3            | c4            | c3            |
+| Exterior Walls and Trim  | Typical Wear and Tear | Typical Wear and Tear | Damaged and Functional | Typical Wear and Tear |
+| Roof                     | Typical Wear and Tear | Typical Wear and Tear | Damaged and Functional | Typical Wear and Tear |
+| Ornamentation            | Typical Wear and Tear | None          | None          | Typical Wear and Tear |
+
+#### Dwelling Exterior: Quality and Condition - Exterior Features - Other Feature
+
+##### Report
+
+| Field ID | Report Label         |
+|----------|----------------------|
+| Feature  |                      |
+| 8.042    | Detail               |
+| Other    |                      |
+
+- **When to Include:**  
+  - If applicable (Exterior Feature is Other)
+  - If Exterior Feature is Allowable
+
+- **Answers / Format:**  
+  - Free-form
+
+- **Definition / Additional Guidance:**  
+  - Exterior Feature Other Description: Select Other (Describe) to enter an answer that is not in the Exterior Features list. Example: Ornamentation
+  - Other Exterior Feature Description: A brief description of the other feature. Example: Concrete cornices and frieze
+
+Note: For further expansion of commentary, use Dwelling Exterior Commentary
+
+### Appendix F-1: URAR Reference Guide
+
+Page 107 of 367
+
+Version 1.2

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+```markdown
+# Uniform Appraisal Dataset 08 Dwelling Exterior
+
+## Dwelling Exterior: Quality and Condition
+
+### Exterior Features - Other Feature
+
+#### Report All
+- **Report Label**: When to Include
+- **Definition / Additional Guidance**: 
+  - **Field ID Answers / Format**:
+  
+| Condition Status | If Exterior Feature is Choose an Other Exterior Feature Condition Status: The condition status of the other |
+|------------------|---------------------------------------------------------------------------------------------------------|
+| New or Like New  | Exterior Feature                                                                                       |
+| Typical Wear and Tear | Condition Status)                                                                              |
+| Damaged and Functional |                                                                                                 |
+| Damaged and Nonfunctional |                                                                                              |
+
+**Notes:**
+- If there are varying condition statuses for the other exterior feature, choose the one that best explains the Exterior Condition Rating.
+- Condition Status reflects the required repairs, inspections, or completions as if they were completed. The current condition is noted in the Apparent Defects, Damages, and Deficiencies (Dwelling Exterior) subsection.
+- Individual damages must be reported in the Apparent Defects, Damages, and Deficiencies (Dwelling Exterior) subsection.
+
+## Noncontinuous Finished Area
+
+Noncontinuous finished areas are defined as finished area(s) in the dwelling that are attached to the dwelling but separate and not directly accessible from any unit.
+
+Example: Family room or other finished area attached to or above an attached garage that is only accessible through the garage.
+
+### Noncontinuous Finished Area
+
+The table below depicts any finished area that is attached to the dwelling but separate and not directly accessible from any unit.
+
+| Finish Total Area | Room Summary       |
+|-------------------|--------------------|
+| Finished 360 Sq. Ft. | 1- Family Room |
+
+This subsection does not display for properties with more than one unit, or if there is no noncontinuous finished area.
+
+### Dwelling Exterior: Noncontinuous Finished Area Exists
+
+#### Report Allowable
+- **Report Label**: When to Include
+- **Definition / Additional Guidance**:
+  - **Field ID Answers / Format**:
+
+This is an appraiser input that does not display.
+
+Required if Units Excluding ADUs is 1.
+
+**Noncontinuous Finished Area Exists**: Indicates whether there is noncontinuous finished area in the dwelling.
+
+**Notes:**
+- If No, the Noncontinuous Finished Area subsection does not display.
+- Do not include area from accessory dwelling units or outbuildings.
+- If there are multiple noncontinuous areas in the dwelling, combine them into one entry.
+
+### Noncontinuous Finished Area
+
+The table below depicts any finished area that is attached to the dwelling but separate and not directly accessible from any unit.
+
+| Finish Total Area | Room Summary |
+|-------------------|--------------|
+| Finished 8.046    | 8.047 8.048  |
+
+**Appendix F-1: URAR Reference Guide Page 108 of 367 Version 1.2**
+```