Mary Cummins, Real Estate Appraiser, Animal Advocates, Los Angeles, California

Mary Cummins, Real Estate Appraiser, Animal Advocates, Los Angeles, California
WEBSITE       RESUME       CONTACT       FACEBOOK        LINKEDIN       

Wednesday, January 29, 2025

USGBC After The Firestorm: Rebuilding for a More Sustainable, Resilient Future by Mary Cummins Real Estate Appraiser

UPDATE: Here is video of the event. https://www.youtube.com/watch?v=lX9Z2oW5nQA

ORIGINAL: I attended the USGBC Webinar entitled "After the Firestorm: Rebuilding for a More Sustainable, Resilient Future" January 29, 2025. Below is the webinar description.

"In response to the 2025 Los Angeles Regional Fires, USGBC-CA is convening leading experts on more sustainable, resilient rebuilding and recovery efforts for fire-affected communities.

This live webinar will bring together wildfire mitigation, residential design, planning, and landscape experts to provide information on resources and best practices for home rebuilding, landscape ecology restoration, and community resilience efforts.

Some of the topics covered will also include fire-resilient materials and structures for new construction, energy-efficient, all-electric design and construction, California native plants, creating defensible space, matching design with incentives and rebates, and more." More information https://usgbc-ca.org/wildfire-defense-rebuilding/

The panel included experts in the fields of architecture, design, construction and landscaping. Laura Dunbar, John Donley, Gregory Chasen, Ann Edminster, Steve Glenn and Ann Baker. Ben Stapleton of USGBC was the host. 


Summary of the most important things to make a home fire resistant.

Metal roof
Cement cladding siding with thick Hardy board fire resistant for over one hour
No attic/crawl space vents or use 1/8" fireproof metal mesh over all vents
No or enclosed eaves
No multiple roofs that can trap burning embers
Metal double pane tempered windows
No wood/vinyl decks/fences/siding. Use cement/tile.
No trees overhanging/touching home
5 foot clearance around entire home free of furniture, shrubs
30' clean and green landscape clearance. Use succulents, gravel.
Easily accessible driveway to home for fire department
No gas to home
No plastic, vinyl flooring, composite construction material

First question to Greg Chasen was "is sustainability also fire resiliency?"

Greg Chasen: We have good case studies now after these fires. We must take a deep dive into the ones that resisted the forces at play. We must build stronger more resilient homes going forward. We shouldn't just recreate what we had before. We can learn from this disaster.

Steve Glenn: Fire resiliency starts with landscape. On the construction side we must create few opportunities for fire. We can use a metal roof, exterior cladding, windows with tempered glass and no eaves. Steel frames are not that important to protect the facade. You see steel frames are the only thing remaining after homes burned down in the fires so it's not that important. We need sprinklers on the roof, need more fire resilient design. Yes, it costs more but it costs less than not doing it (and home is destroyed).

What are the best practices?

 Chasen: We saw houses that didn't survive the ember attack. New homes with lots of places where embers could be trapped on the roofs. Materials and form matter. We must seal the home and have no vents. 

Dunbar: We need protected venting. Embers get in attic. Once they're in the attic the house is gone same with under the house (crawl space). Landscaping is also important.

Chasen: Windows are very important. Multiple roof lines trap golf ball sized embers. Windows must protect from the force to large blowing embers.

Edminster: Skylights are vulnerable. They create dams where flammable debris can collect. Also important is venting, non combustible cladding, landscape, windows. We need dual panes windows where both panes are tempered not just one.

What about landscaping?

Ann Baker: We need a fire defense. There must be good visibility from street to home. Can fire dept see home and defend it easily? Five feet non combustible zone around home. No shrubs, furniture. You could use gravel, succulents, plants that don't burn. 30 feet must be clean and green. Eliminate vertical fuel ladders. Wooden fences and screening privacy shrubs are a major fuel load. There should be no wood fence touching building. Trees must be away from roof line. Avoid hedging, avoid twigs, plants that drop needles.

What type of code should we be advocating for?

John: We've discussed this for years. It's not part of code to make existing homes more resistant. Only new building and additions must be to code but not existing. Firestorm deals with wind. It's wind and fire. We had hurricane winds that blew over cement walls. Even retaining wall had to be torn down because of fire damage and super hot temps.

What about materials?

Steve Glenn: Most important is cementitious cladding, hardy board with one hour fire rating, zip system also water barrier. Metal roofs more expensive than shingle. Tempered glass is expensive. We need LARR for ...(missed.) 

Edminster: Cladding first line of defense. We need to protect occupants, structures and planet. 

Chasen: 5/16 hardy board not good enough. We need thicker cement board panels. 

Breakout groups.

Chasen, Edminster, building materials and design

Chasen: Gas, plastic are volatile. Avoid gas in home. Avoid vinyl floor, windows. The fire areas smell like burning plastic. I tasted plastic for a day afterward. Our homes have become so toxic because of plastic.

Plastic composite decks are toxic when they burn, melt. Porcelain tile deck good solution. 

I'll post the video when it's ready. Slides from today's presentation below.










Mary Cummins of Cummins Real Estate is a certified residential licensed appraiser in Los Angeles, California. Mary Cummins is licensed by the California Bureau of Real Estate appraisers and has over 35 years of experience.


Mary Cummins, Mary K. Cummins, Mary Katherine Cummins, Mary, Cummins, #marycummins #animaladvocates #losangeles #california #wildlife #wildliferehabilitation #wildliferehabilitator #realestate #realestateappraiser #realestateappraisal #lawsuit real estate, appraiser, appraisal, instructor, teacher, Los Angeles, Santa Monica, Beverly Hills, Pasadena, Brentwood, Bel Air, California, licensed, permitted, certified, single family, condo, condominium, pud, hud, fannie mae, freddie mac, fha, uspap, certified, residential, certified resident, apartment building, multi-family, commercial, industrial, expert witness, civil, criminal, orea, dre, brea insurance, bonded, experienced, bilingual, spanish, english, form, 1004, 2055, 1073, land, raw, acreage, vacant, insurance, cost, income approach, market analysis, comparative, theory, appraisal theory, cost approach, sales, matched pairs, plot, plat, map, diagram, photo, photographs, photography, rear, front, street, subject, comparable, sold, listed, active, pending, expired, cancelled, listing, mls, multiple listing service, claw, themls, historical appraisal, facebook, linkedin

DISCLAIMER: https://mary--cummins.blogspot.com/p/disclaimer-privacy-policy-for-blogs-by.html

Friday, January 24, 2025

End of PAVE, DEI at HUD and How it Will Affect Appraisal Industry by Mary Cummins Real Estate Appraiser


Donald Trump is now the President. Now we find out what will really happen to appraisers, the appraisal industry and the real estate market. In the first week the PAVE Task Force website went down https://pave.hud.gov . Trump also declared that DEI in the federal government is gone. How will this affect us?

The PAVE Task Force released their report March 2022 and nothing really changed. It didn't add any new laws or regulations that we didn't already have. Big deal the website is now down. All PAVE really did was promote the false narrative that all appraisers are allegedly racist, biased old white men that lowball blacks and Latinos. The PAVE Task Force was based on Andre Perry's totally debunked paper "The Devaluation of Assets in Black Neighborhoods" and book "Know Your Price." AEI clearly showed that appraisers don't lowball anyone. People who make less money have less money and buy/own less expensive homes in less expensive areas. Whites make more money than blacks, Latinos for a myriad of socioeconomic reasons. It's not based on race. 

Getting rid of DEI at HUD and other Federal Departments will have a greater impact. I hope that HUD doesn't stop the current programs to try to recruit more POC and women to become appraisers. I personally feel we could use more POC and women. It won't change appraisal values or prevent anyone from being lowballed but it's a good thing nonetheless. If DEI ends those programs, I hope private organizations are able to take up the slack. Again, now is not the best time to be entering the appraisal field for any new appraiser. There's barely enough work for existing experienced appraisers. You need a minimum of three years of experience to do appraisals for loans.

Mary Cummins of Cummins Real Estate is a certified residential licensed appraiser in Los Angeles, California. Mary Cummins is licensed by the California Bureau of Real Estate appraisers and has over 35 years of experience.


Mary Cummins, Mary K. Cummins, Mary Katherine Cummins, Mary, Cummins, #marycummins #animaladvocates #losangeles #california #wildlife #wildliferehabilitation #wildliferehabilitator #realestate #realestateappraiser #realestateappraisal #lawsuit real estate, appraiser, appraisal, instructor, teacher, Los Angeles, Santa Monica, Beverly Hills, Pasadena, Brentwood, Bel Air, California, licensed, permitted, certified, single family, condo, condominium, pud, hud, fannie mae, freddie mac, fha, uspap, certified, residential, certified resident, apartment building, multi-family, commercial, industrial, expert witness, civil, criminal, orea, dre, brea insurance, bonded, experienced, bilingual, spanish, english, form, 1004, 2055, 1073, land, raw, acreage, vacant, insurance, cost, income approach, market analysis, comparative, theory, appraisal theory, cost approach, sales, matched pairs, plot, plat, map, diagram, photo, photographs, photography, rear, front, street, subject, comparable, sold, listed, active, pending, expired, cancelled, listing, mls, multiple listing service, claw, themls, historical appraisal, facebook, linkedin

DISCLAIMER: https://mary--cummins.blogspot.com/p/disclaimer-privacy-policy-for-blogs-by.html

Wednesday, January 15, 2025

Animal Advocates, Mary Cummins Helping Los Angeles Fire Victims



Animal Advocates and its founder Mary Cummins have been helping victims of the January 2025 Los Angeles fires. We were in the Palisades fire evacuation area relocating owned pets that had to evacuate. Some of these people had to evacuate twice because the fire moved. The below pics are from one trip January 14, 2025. 

Sunset west was closed at Kenter two blocks from Vice President Kamala Harris' home. 10 fwy west was closed at Lincoln Blvd. National guard, police, fire department, Dept of Transportation, Red Cross and many more people were helping to secure the area and offer aid. 

Animal rescue groups are not yet allowed into the areas that have been damaged by the fire. The fire department has to inspect each home first to assess damage, check for bodies, turn off gas, turn off electric, turn off water and assess the safety of the structure. Animal groups are also not allowed in the evacuation zones without full property and animal owner permission and police escort. The purpose is to prevent looters and arsonists. It's also not safe in case the wind picks up and the fire moves quickly. The original fire had winds at 100 mph blowing burning embers over a mile. 

Mary Cummins has lived in Los Angeles her entire life. Animal Advocates has experienced many wildfires during that time. Cummins has gone through the FEMA disaster animal response training. Cummins has also worked for HSUS NDART National Disaster Animal Rescue Team. Cummins, Animal Advocates aided EARS in past fires setting up pet evacuation areas and received a Certificate of Appreciation in 2003. Cummins also cared for wildlife and domestic pets injured by many past fires from smoke inhalation, burns, loss of habitat, loss of food and water sources. Huge fires spread by Santa Ana winds happen in Los Angeles, California.









Mary Cummins of Cummins Real Estate is a certified residential licensed appraiser in Los Angeles, California. Mary Cummins is licensed by the California Bureau of Real Estate appraisers and has over 35 years of experience.


Mary Cummins, Mary K. Cummins, Mary Katherine Cummins, Mary, Cummins, #marycummins #animaladvocates #losangeles #california #wildlife #wildliferehabilitation #wildliferehabilitator #realestate #realestateappraiser #realestateappraisal #lawsuit real estate, appraiser, appraisal, instructor, teacher, Los Angeles, Santa Monica, Beverly Hills, Pasadena, Brentwood, Bel Air, California, licensed, permitted, certified, single family, condo, condominium, pud, hud, fannie mae, freddie mac, fha, uspap, certified, residential, certified resident, apartment building, multi-family, commercial, industrial, expert witness, civil, criminal, orea, dre, brea insurance, bonded, experienced, bilingual, spanish, english, form, 1004, 2055, 1073, land, raw, acreage, vacant, insurance, cost, income approach, market analysis, comparative, theory, appraisal theory, cost approach, sales, matched pairs, plot, plat, map, diagram, photo, photographs, photography, rear, front, street, subject, comparable, sold, listed, active, pending, expired, cancelled, listing, mls, multiple listing service, claw, themls, historical appraisal, facebook, linkedin

DISCLAIMER: https://mary--cummins.blogspot.com/p/disclaimer-privacy-policy-for-blogs-by.html

Sunday, January 12, 2025

Rental Price Gouging During Los Angeles Fires by Mary Cummins Real Estate Appraiser



People were talking about landlords price gouging after the Los Angeles fires. I searched MLS sold rentals for Los Angeles City five days before and after the fires. Median rents went from $3,800 to $4,800. I looked at some individual listings and saw them relisted higher after the disaster. Other agents saw the same. It's illegal to charge more than 10% higher price during a disaster. This is 20%. #pricegouging #losangeles #losangelesfires #fires #marycummins hashtag#realestateappraiser

The MLS just posted this to all agents logging into the system. What is "fair market value" for rental housing per HUD for luxury mansions? These mansions rent for $25,000-$200,000 per month furnished or unfurnished. 


They've since added a link to that message below.

https://info.vestaplus.net/cawildfires


Mary Cummins of Cummins Real Estate is a certified residential licensed appraiser in Los Angeles, California. Mary Cummins is licensed by the California Bureau of Real Estate appraisers and has over 35 years of experience.


Mary Cummins, Mary K. Cummins, Mary Katherine Cummins, Mary, Cummins, #marycummins #animaladvocates #losangeles #california #wildlife #wildliferehabilitation #wildliferehabilitator #realestate #realestateappraiser #realestateappraisal #lawsuit real estate, appraiser, appraisal, instructor, teacher, Los Angeles, Santa Monica, Beverly Hills, Pasadena, Brentwood, Bel Air, California, licensed, permitted, certified, single family, condo, condominium, pud, hud, fannie mae, freddie mac, fha, uspap, certified, residential, certified resident, apartment building, multi-family, commercial, industrial, expert witness, civil, criminal, orea, dre, brea insurance, bonded, experienced, bilingual, spanish, english, form, 1004, 2055, 1073, land, raw, acreage, vacant, insurance, cost, income approach, market analysis, comparative, theory, appraisal theory, cost approach, sales, matched pairs, plot, plat, map, diagram, photo, photographs, photography, rear, front, street, subject, comparable, sold, listed, active, pending, expired, cancelled, listing, mls, multiple listing service, claw, themls, historical appraisal, facebook, linkedin

DISCLAIMER: https://mary--cummins.blogspot.com/p/disclaimer-privacy-policy-for-blogs-by.html

Friday, January 10, 2025

Houses at 750 Iliff, 18860 PCH Survived Fires Because they were Passive Construction by Mary Cummins Real Estate appraiser


A passive home built in 2024 located at 750 Iliff, Pacific Palisades, California survived the fires which destroyed the surrounding homes. It is mandatory green design because it's newer. It's a passive house with super insulated envelope, air tight construction, high performance glazing, thermal bridge free detailing and more. All these elements which save energy by keeping heat, cool air in also keep embers, fire, smoke out. There is minimal landscaping, block walls and a metal roof. We can build to prevent houses from burning down in fires. Before and after. It's time to make all homes more fire proof in wildfire areas. The owner Chris Ottinger remodeled/rebuilt at the perfect time. Green construction is mandatory for new construction. The architect was Greg Chasen. It's near intersection of Sunset Blvd and Chautauqua. As I look at it the roof is angle perfectly for Santa Ana winds to blow over it which blow to the sea. There are also no exposed eaves. 


The home at 18860 Pacific Coast Highway PCH, Malibu also survived the fire. It was listed for almost $10M in 2023. It was listed for lease in 2024 for $50,000/mo 4 bed, 4 bath 3,896 sf. It was built in 2000 which means mandatory green construction. Green construction also helps prevent the home from burning down. Owner David Steiner. 




#PassiveHouse #marycummins #realestateappraiser #realestateappraisal #fires #fireproofhome #fireproofconstruction #PalisadesFire


Mary Cummins of Cummins Real Estate is a certified residential licensed appraiser in Los Angeles, California. Mary Cummins is licensed by the California Bureau of Real Estate appraisers and has over 35 years of experience.


Mary Cummins, Mary K. Cummins, Mary Katherine Cummins, Mary, Cummins, #marycummins #animaladvocates #losangeles #california #wildlife #wildliferehabilitation #wildliferehabilitator #realestate #realestateappraiser #realestateappraisal #lawsuit real estate, appraiser, appraisal, instructor, teacher, Los Angeles, Santa Monica, Beverly Hills, Pasadena, Brentwood, Bel Air, California, licensed, permitted, certified, single family, condo, condominium, pud, hud, fannie mae, freddie mac, fha, uspap, certified, residential, certified resident, apartment building, multi-family, commercial, industrial, expert witness, civil, criminal, orea, dre, brea insurance, bonded, experienced, bilingual, spanish, english, form, 1004, 2055, 1073, land, raw, acreage, vacant, insurance, cost, income approach, market analysis, comparative, theory, appraisal theory, cost approach, sales, matched pairs, plot, plat, map, diagram, photo, photographs, photography, rear, front, street, subject, comparable, sold, listed, active, pending, expired, cancelled, listing, mls, multiple listing service, claw, themls, historical appraisal, facebook, linkedin

DISCLAIMER: https://mary--cummins.blogspot.com/p/disclaimer-privacy-policy-for-blogs-by.html

Friday, December 13, 2024

Appraisal Institute States FHFA Study is Deeply Flawed, Comments by Mary Cummins Real Estate Appraiser


Appraisal Institute states FHFA "study" is flawed. The "study" also used the Zillow Home Value Index aka Zestimate which includes tax assessor data, MLS listings, public data, info provided by alleged property owners... The data, analysis and conclusions are all flawed. GIGO, Garbage In Garbage Out. No one would ever publish their paper in a peer reviewed journal for those reasons yet the government sends it out as "factual research." Biased. #appraisalinstitute #FHFA #zillow #zestimatefails #Zestimate #marycummins #realestateappraiser #realestateappraisal

From the article.

"A study on the use of time adjustments by appraisers conducted by two researchers at the Federal Housing Finance Agency in November contains serious flaws that misrepresent the appraisal process and further demonize the appraisal profession regarding racial bias. The study, Underappraisal Disparities and Time Adjustments to Comparable Sales Prices in Mortgage Appraisals, contends appraised values often fail to reflect rapidly increasing home prices in competitive markets. It further casts housing equity concerns, claiming that time adjustments are used less in curing “underappraisal” in majority Black and Hispanic neighborhoods than in major White neighborhoods. The study suggests appraisers should use automated valuation models and lenders should randomly assign appraisal orders to mitigate bias.

For one, the assumption that appraisals should perfectly mirror the pace of rising market prices oversimplifies the role of appraisers and the appraisal process. The study does not sufficiently account for the complexity of making time adjustments in markets with uneven price growth or where transaction volumes are low, limiting the availability of comparable sales.

The study also interprets caution by appraisers as “underappraisal,” when this may represent a prudent check against market volatility. In rapidly appreciating markets, appraisals may appear low compared to contract prices, but this could serve as a risk-mitigation tool, in protecting buyers from overpaying during speculative bubbles.

Further, the research ignores critical dynamics of the appraisal process in how comparable sales may be accounted for by appraisers in the narrative section of appraisals. For example, in some markets, a market change might occur with an increase of as much as 1% per month. Therefore, a comparable sale that is as recent as 2 or 3 months ago, could require a 2% or 3% positive adjustment to the sale price. On the other hand, with a market that is moving at a mere 3% a year, then a three-month old sale would correspond to only a .75% adjustment. An appraiser might well not apply such adjustment, as it could be argued as being of virtual rounding error. An appraiser might well handle the issue in the reconciliation of the three to four or more comparable sales presented in the sales comparison approach, which is completely overlooked by the study.

There may be a myriad of other factors at play. For instance, and for whatever reason, an appraiser’s analysis could indicate that one of the comparable sales sold on the “high” side. Applying a time adjustment for an above-the-market sale, while requiring explanation, might not be appropriate at all.

The study also leans heavily on the use of automated valuation model information from Zillow, which has its own credibility and accuracy problems."

Read the rest at the link.

Link to article

https://www.appraisalinstitute.org/cmspages/newsletters/getemailbrowsercontent.ashx?issueGuid=a47d3875-adac-4c06-976f-a74cf075c4f3&recipientEmail=adomatis%40hotmail.com&hash=dee4bfd3032a0548215443494269a5ad0ce160df6bf2e9f5eb5bd5cbc41fc36a&utm_source=ainewsletter_appraisal_now_20241213_a_b&utm_campaign=ainewsletter&utm_medium=email&fbclid=IwY2xjawHJbQtleHRuA2FlbQIxMAABHRhQEY41enGI_9PE2g1aIpBP89mxTLlgApt8kVLq_Amh_Gru75czg-oGFw_aem_RMT7BVcsvwnhpT-8Tkl0FA

Link to the flawed FHFA "study" "Underappraisal Disparities and Time Adjustments to Comparable Sales Prices in Mortgage Appraisals" by William M. Doerner, Scott Susin, November 2024. Working Paper 24-07

https://www.fhfa.gov/sites/default/files/2024-11/wp2407.pdf

Mary Cummins of Cummins Real Estate is a certified residential licensed appraiser in Los Angeles, California. Mary Cummins is licensed by the California Bureau of Real Estate appraisers and has over 35 years of experience.


Mary Cummins, Mary K. Cummins, Mary Katherine Cummins, Mary, Cummins, #marycummins #animaladvocates #losangeles #california #wildlife #wildliferehabilitation #wildliferehabilitator #realestate #realestateappraiser #realestateappraisal #lawsuit real estate, appraiser, appraisal, instructor, teacher, Los Angeles, Santa Monica, Beverly Hills, Pasadena, Brentwood, Bel Air, California, licensed, permitted, certified, single family, condo, condominium, pud, hud, fannie mae, freddie mac, fha, uspap, certified, residential, certified resident, apartment building, multi-family, commercial, industrial, expert witness, civil, criminal, orea, dre, brea insurance, bonded, experienced, bilingual, spanish, english, form, 1004, 2055, 1073, land, raw, acreage, vacant, insurance, cost, income approach, market analysis, comparative, theory, appraisal theory, cost approach, sales, matched pairs, plot, plat, map, diagram, photo, photographs, photography, rear, front, street, subject, comparable, sold, listed, active, pending, expired, cancelled, listing, mls, multiple listing service, claw, themls, historical appraisal, facebook, linkedin

DISCLAIMER: https://mary--cummins.blogspot.com/p/disclaimer-privacy-policy-for-blogs-by.html

Friday, December 6, 2024

Taking a Listing in Probate and Trust webinar by Paul Horn Attorney, notes by Mary Cummins Real Estate Appraiser


I attended a webinar given by California probate estate attorney Paul Horn. It was very informative and entertaining. Paul Horn Esq definitely knows wills, trusts, probate and real estate. He gave some great advice which I've actually heard from other estate attorneys.

It's important to order a date of death historical appraisal to determine market value at time of death. Paul Horn stated it's well worth the $500 cost. One person asked if they must sell the property for the appraisal value. He said "of course not." Sell it for what you believe is the highest current market value. 

In order to sell a home in probate you will need three main things i.e., Order for Probate, Letters, Notice of Proposed Action. These are all legal forms which can be found at lacourt.org He posted samples but they had names so I won't repost them. A real estate agent would get these items from the attorney handling the probate, estate. The real estate agent does not fill them out. The attorney does.


This is the California Probate Process.


The best thing is to avoid probate altogether. It will save you time, money and headaches. Get a will and a trust. Put the property in the trust. Make sure not to put the name of your heirs on the deed. Put the name of the trust only. This image shows the benefits of a trust versus a will. If you only have a will, you have to go through probate.


These are the essentials of good estate planning.

A married couple should take ownership as community property to avoid extra taxes.


 Here is one of Paul Horn's videos on the probate process.

https://www.youtube.com/watch?v=IZtMW7hlH-c

You should have an attorney handle your will and trust. This is not legal advice. I am not an attorney. I would recommend Paul Horn to handle trusts, wills and probate. He knows what he's talking about. I've been doing historical date of death appraisals for over 40 years. I've had to deal with estates and probates so I've dealt with many estate and planning attorneys. 

@paulhornesq https://www.paulhornlawfirm.com/

Mary Cummins of Cummins Real Estate is a certified residential licensed appraiser in Los Angeles, California. Mary Cummins is licensed by the California Bureau of Real Estate appraisers and has over 35 years of experience.


Mary Cummins, Mary K. Cummins, Mary Katherine Cummins, Mary, Cummins, #marycummins #animaladvocates #losangeles #california #wildlife #wildliferehabilitation #wildliferehabilitator #realestate #realestateappraiser #realestateappraisal #lawsuit real estate, appraiser, appraisal, instructor, teacher, Los Angeles, Santa Monica, Beverly Hills, Pasadena, Brentwood, Bel Air, California, licensed, permitted, certified, single family, condo, condominium, pud, hud, fannie mae, freddie mac, fha, uspap, certified, residential, certified resident, apartment building, multi-family, commercial, industrial, expert witness, civil, criminal, orea, dre, brea insurance, bonded, experienced, bilingual, spanish, english, form, 1004, 2055, 1073, land, raw, acreage, vacant, insurance, cost, income approach, market analysis, comparative, theory, appraisal theory, cost approach, sales, matched pairs, plot, plat, map, diagram, photo, photographs, photography, rear, front, street, subject, comparable, sold, listed, active, pending, expired, cancelled, listing, mls, multiple listing service, claw, themls, historical appraisal, facebook, linkedin

DISCLAIMER: https://mary--cummins.blogspot.com/p/disclaimer-privacy-policy-for-blogs-by.html