Section 15

Overall Quality and Condition

Appendix F-1, page 173

The Overall Quality and Condition section provides information about quality and condition for all dwellings and living units. Exterior and Interior Quality and Condition (as applicable) are redisplayed here to provide context to the Reconciliation of Overall Quality and Condition. Reference Appendix 2: Condition and Quality Rating Definitions and published guidelines by the GSEs, government agencies, or other identified secondary market participants for specific guidance.

Overall Quality and Condition#

Overall Quality and Condition reflects the "as is" value or any "subject to" items being completed, as reflected in the Market Value Condition of the report (26.009).

  • For an "as is" appraisal, the overall condition reflects the current condition.
  • For a "subject to" appraisal, the overall condition rating reflects the condition as if all "subject to" items have been completed.

For properties with more than one unit, Overall Quality and Condition represents the reconciliation of all dwellings and living units.

The display of this section varies depending on the number of dwellings and units and whether the homeowner is responsible for exterior maintenance.

Example 1: Single-Family Property#

  • 1 unit
  • Homeowner is responsible for exterior maintenance (Exterior Quality and Exterior Condition are applicable)

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Example 2: High-rise Condo#

  • 1 unit
  • Homeowner is not responsible for exterior maintenance (Exterior Quality and Exterior Condition are not applicable)

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Example 3: Multiple Dwellings / Multiple Units#

  • Three units in two separate buildings (dwellings)

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  • Exterior Quality and Exterior Condition are displayed for each dwelling
  • Interior Quality and Interior Condition are displayed for each unit

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Overall Quality and Condition

Report Field ID Report Label When to Include Allowable Answers / Format Definition / Additional Guidance
15.000 Overall Quality Always required Q1 to Q6 The overall quality rating of all dwellings on the property.
15.005 Overall Condition Always required C1 to C6 The overall condition rating of all dwellings on the property.
Note: Reflects the condition as if any required repairs, inspections, or completions have been satisfactorily completed.

Exterior Quality and Condition#

If applicable, Exterior Quality and Condition ratings are redisplayed from the Dwelling Exterior section(s) to give context to the Overall Quality and Condition ratings.

If the field Homeowner Responsible for all Exterior Maintenance of Dwellings (3.016) is No, Exterior Quality and Condition is not applicable and does not display.

If there are multiple dwellings, Exterior Quality and Condition ratings display for each one.

Exterior Quality and Condition - for each Dwelling

Report Field ID Report Label When to Include Allowable Answers / Format Definition / Additional Guidance
15.001
15.006		 N/A Displays when Dwellings Containing Units is more than 1 Free-form If applicable, Structure Identifier (8.000) redisplays from each Dwelling Exterior section.
Examples: Building 1, Building 2
15.002 Exterior Quality Displays when Homeowner Responsible for all Exterior Maintenance of Dwellings is Yes Q1 to Q6 If applicable, Exterior Quality Rating (8.022) redisplays from each Dwelling Exterior section.
15.007 Exterior Condition Displays when Homeowner Responsible for all Exterior Maintenance of Dwellings is Yes C1 to C6 If applicable, Exterior Condition Rating (8.023) redisplays from each Dwelling Exterior section.
Note: Reflects the condition as if any required repairs, inspections, or completions have been satisfactorily completed.

Interior Quality and Condition#

Interior Quality and Condition ratings are redisplayed from the Unit Interior section for each unit that is not an ADU to give context to the Overall Quality and Condition ratings.

If the unit is an ADU (10.011), Interior Quality and Condition does not display here. It displays in the Unit Interior section for the ADU (10.034 and 10.035).

For properties with more than one unit, Interior Quality and Condition ratings display for each unit.

Interior Quality and Condition - for each Unit that is not an ADU

Report Field ID Report Label When to Include Allowable Answers / Format Definition / Additional Guidance
15.003
15.008		 N/A Displays if Units Excluding ADUs is more than 1 Free-form If applicable, Unit Identifier (10.002) populates from each Unit Interior section.
15.004 Interior Quality Always displays Q1 to Q6 Interior Quality Rating (10.034) populates from each Unit Interior section if the unit is not an ADU.
15.009 Interior Condition Always displays C1 to C6 Interior Condition Rating (10.035) populates from each Unit Interior section if the unit is not an ADU.
Note: Reflects the condition as if any required repairs, inspections, or completions have been satisfactorily completed.

Reconciliation of Overall Quality and Condition#

Reconciliation of Overall Quality and Condition

Report Field ID Report Label When to Include Allowable Answers / Format Definition / Additional Guidance
15.010 Reconciliation of Overall Quality and Condition Always required Free-form Additional commentary specific to the Overall Quality and Condition section.