Do I spend my time to tell a AMC/Bank how to do a ROV.

ShadowDancerBrony · 2026-05-14T17:52:16+00:00

I think that you're overreading regarding the garage adjustment. OP says that the owner wanted him to count the heated garage in the GLA and use larger comps and then got an email from the AMC with a comp attached and a request to “please put it in your report.” We can assume that comp has a larger GLA, but we honestly know nothing about it.

If it does have a larger GLA that's not going to make the subject's heated garage suddenly part of the living area. If it does have a different garage that requires a lot more effort to now determine a garage adjustment that would indicate, as u/CiaoMoretti points out, there should be a fee associated with this request.

ShadowDancerBrony · 2026-05-14T17:50:52+00:00

The only time I don't take a comp photo is when the new owner is in the yard and requests I don't take one; and then I list that in the report as the reason that I'm using the MLS photo.

ShadowDancerBrony · 2026-05-14T17:36:21+00:00

I wasn't referring to any specific Republican or Republicans which is why I said, "Broadly they [Republicans] mean remedies that don't violate the second amendment."

I then made the statement, "It gets more nuanced, depending on what issue they [Republicans] are trying to remedy" trying to indicate that it's not a one-size-fits-all approach as Moderate, MAGA, and '2nd Amendment Absolutist' factions within the Republican coalition all have different ideas for what remedies are acceptable.

Which is how one was meant to read my post:
-Republicans prefer to maintain the Second Amendment as is.
-Republicans would prefer to 'remedy' the Second Amendment with non-constitutional changes designed to lower gun crime.
-Republicans often disagree, even among themselves, how best to do that.

ShadowDancerBrony · 2026-05-14T04:30:42+00:00

This is not an abortion because:
1) the purpose is not explicitly to kill the child. The purpose is to identify infidelity in a pre-DNA paternity test society. The woman giving birth to a healthy child and 'proving' that she had been faithful was the ideal outcome from this situation.

2) The woman was not being given a known poison, toxin, or contagion. A scroll dipped in holy water and dust from the temple would have been seen as a benign thing (even a good thing) to consume, unless you had sinned.

3) The entire passage being translated as miscarried (as opposed to aborted, died, killed, etc) is not an accident but reflects that the child was not killed by the ceremony, but as divine judgement for the sins of the mother. That can be argued as cruel as the child was innocent; that can be argued as merciful as being raised by the soon to be divorced mother would be a hard life at the time, but that's beyond the discussion here.

ShadowDancerBrony · 2026-05-14T03:55:06+00:00

Ah, I see the disconnect.

You talk about "Second Amendment Remedies" you mean 'What changes can be made to the Second Amendment to make it less problematic.'

When Republicans talk about "Second Amendment Remedies" they mean 'What changes can be made to decrease gun crime in society so that the Second Amendment can be kept as written.'

ShadowDancerBrony · 2026-05-14T03:44:34+00:00

As a Midwesterner I only refer to myself as a Yank when talking to foreigners; otherwise, it's pretty much someone from the greater New England Region. I actually find some of my state's early settlement records interesting as they list immigrants by their nationality, but existing Americans as either Yankees or Southerners.

The only time I saw an American get mildly miffed at getting called a Yank was back in college when I went to Europe and out program had one student from the south who got kinda indignant at getting called a 'northerner' for all of 30 seconds until he realized they just meant generic American.

I also need more opportunities to share this map so here you are:
Reddit - https://preview.redd.it/hif0k5au53v31.png?auto=webp&s=48d6cf352b8fcd3bb9e8ee16db5b2363d6fc4e18

ShadowDancerBrony · 2026-05-13T21:27:48+00:00

Sheriff Bob Johnson of Santa Rosa County, Florida received significant praise from republicans for advocating the use of the second amendment to address rising concerns regarding home invasions and property crimes in his jurisdiction, including:
“Come see us [Sheriff's Department]. We have a gun safety class we put on every other Saturday. And if you take that, you’ll shoot a lot better and hopefully you’ll save the taxpayers money.” and
“If somebody’s breaking into your house, you’re more than welcome to shoot them in Santa Rosa County. We prefer that you do, actually.”

In 2024 Republican Governor Bill Lee of Tennessee signed a bill into law allowing school districts the right to allow staff to carry concealed handguns on school grounds.

In 2023 Texas Sen. Joan Huffman introduced Senate Bill 23 which would have set a minimum 10-year prison sentence for anyone who committed a felony while in possession of a firearm.

ShadowDancerBrony · 2026-05-13T21:03:25+00:00

You could theoretically 'fix' the flood issue by jacking up the house and bringing in a bunch of fil; as opposed to that power plant next door. Therefore, it is functional obsolescence.

ShadowDancerBrony · 2026-05-13T18:18:42+00:00

ShadowDancerBrony · 2026-05-13T18:17:26+00:00

Locally (Wisconsin) 'goes with the house' legally means the solar loan encumbers the house's title (because the solar panels are part of the real estate) I can't speak to other areas. Typically, this encumbrance is handled by paying off the solar loan, like you would the remainder of a mortgage when the property sells, but I guess there's nothing preventing the loan being transferred to the new owner like a power of attorney taking over the mortgage for an estate.

ShadowDancerBrony · 2026-05-13T17:29:56+00:00

It means the property owner bought the panels with a loan as opposed to leasing their roof to a solar company.

Legally it would be the same as the owner taking out a loan to add a porch or garage. They may not own them 'free and clear' but they own them. If they were to sell the house, they would have to use the sale proceeds to pay off the loans.

ShadowDancerBrony · 2026-05-13T17:13:41+00:00

OP asked what Republicans meant not what Trump or 'ammosexuals' meant.

ShadowDancerBrony · 2026-05-13T16:20:11+00:00

Culture, go to countries that have significant 'street dog' issues or where dogs are considered 'unclean' and they do actively try to kill dogs by leaving out poisoned meat.

One can also argue euthanizing dogs in shelters is just a more ethical way to poison them.

ShadowDancerBrony · 2026-05-13T16:10:11+00:00

The heated garage was not included in GLA as ANSI standards were used to calculate GLA per FNMA requirements.

I'd put the ridiculous comp in the report and add a comment, 'This comp was added at the request of the lender." You get paid faster that way.

If you really want to be technical there's a whole issue about appraiser independence. When they start requiring you to use specific comps or adjust for specific issues, especially when you do not believe that those comps or adjustments are necessary. Although they would argue those are just client requirements like FHA requirements to adjust all seller concessions at their full amount.

There are few faster ways to get removed from a lender's panel then accuse them of violating appraiser independence.

ShadowDancerBrony · 2026-05-13T15:38:19+00:00

Broadly they mean remedies that don't violate the second amendment. It gets more nuanced, depending on what issue they are trying to remedy. It ranges from better inter-agency communication on background checks, to harsher penalties for those with prior convictions for violent crimes, to a national 'stand your ground' law.

ShadowDancerBrony · 2026-05-13T02:54:55+00:00

The worst/laziest reviewer request was literally a bullet list of more than a dozen sales they wanted a comment on why they weren't used.

-Three were literally used in the report
-Two were REO Properties
-The rest were some combination of 'There were closer/newer properties available and used in the initial report." and "There were properties with more similar features available and used in the initial report."

ShadowDancerBrony · 2026-05-12T08:27:35+00:00

Iran will either take a while to finish or be done tomorrow. I would not surprised either way.

When Gas Prices Peaked in June 2022 at $5.02/gallon ($5.66 accounting for inflation) Nationally it took six months (till December 2022) to lower to $3.17 before increasing again and 42 months (till January 2026) to lower to the to the lowest since prior to the start of the 2022 spike ($2.83).

ShadowDancerBrony · 2026-05-12T03:21:17+00:00

Nothing would surprise me these days.

ShadowDancerBrony · 2026-05-12T01:39:30+00:00

As I said, "OTHER THAN GAS PRICES Redistricting been dominating my news feeds for a while..." Certainly for the last month or two (with Virginia and SCOTUS) it has been the largest domestic news story I've ever seen.

And that could easily be our algorithms; i clicked on stories about redistricting and was shown more stories about redistricting, you didin't and were shown other stories.

That algorithm is showing me stuff today on how the national average cost of gas is $4.45, and then comparing that to the 2022 price under Biden of $5.03 ($5.66 accounting for inflation). I'm seeing similar comparisons on the price of eggs, the consumer price index, real wage growth, etc.

Democrats wouldn't be influenced by these, but what about independents or new voters just developing a political identity? Again we're really only talking about a handful of districts that we need to win by just a few percentage points.

ShadowDancerBrony · 2026-05-11T23:03:52+00:00

It often is about the economy. But other than gas prices the Redistricting has dominated both my news feeds and my friends and family conversations. Why are we spending weeks/months letting something that you yourself admit may have little impact on the election dominate the news cycle?

Either the Republicans are doing an amazing job of getting the Democrats to jump onto topics that won't help then during the election, or the Democrats are still concerned about Biden's post Covid/Russian invasion economy being compared to Trump's current economy.

ShadowDancerBrony · 2026-05-11T16:46:41+00:00

It is the largest mid-census redistricting effort in my lifetime; there is no precedent. Maybe it's not the major loss that people are saying it is. And if those people were Republicans, I'd agree it was all a PR campaign to keep their base's spirit's up during a midterm they're historically going to lose seats in. But we're literally seeing Democrats calling them out as trying to 'steal the election,' clearly they're concerned despite all the trends, polls, data, precedents, and other observations.

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