Property ValuationIntermediateArizona Exam

An Arizona appraiser who uses only 2 comparables in the sales comparison approach is:

AIn full compliance with USPAP requirements, since Standard 1 allows any number of comparables as long as the appraiser provides written support for the analysis
BPotentially providing an inadequate analysis—USPAP and lender guidelines typically require a minimum of 3 closed sales and may require moreCorrect
CRequired by Arizona appraisal regulations to use exactly 3 comparables from the current assessment year; neither fewer nor more than 3 is permissible under state rules
DProviding an acceptable analysis, since two highly similar comparables can adequately support a reliable value opinion when market data is limited in the subject's area

Why Potentially providing an inadequate analysis—USPAP and lender guidelines typically require a minimum of 3 closed sales and may require more Is Correct

Answer B: Potentially providing an inadequate analysis—USPAP and lender guidelines typically require a minimum of 3 closed sales and may require more

While USPAP doesn't specify a minimum number, lender guidelines (Fannie Mae, FHA) typically require at least 3 closed comparable sales. Using only 2 comps weakens the analysis and typically does not meet secondary market standards.

Exam Tip: Property Valuation

Valuation questions focus on the three approaches to value: sales comparison, cost, and income. Know which approach is best for which property type. The income approach uses cap rate and NOI — memorize these formulas.

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