Property Valuation

What is an 'as-is' appraisal versus a 'subject to' appraisal?

AThey are identical
BAn as-is appraisal values the property in its current condition; a subject-to appraisal values it assuming proposed improvements are completed✓ Correct
CAn as-is appraisal is only used for commercial properties
DA subject-to appraisal is always higher in value

Explanation

An as-is appraisal reflects the property's current value in its existing condition. A subject-to appraisal provides a value estimate assuming specified conditions exist (e.g., repairs made or renovations completed), often used in construction lending.

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