Reading the actual guideline text below — never a general AI guess

UAD 3.6 Condition Ratings C1–C6

Here's what the official UAD 3.6 definitions tell us these six condition ratings mean:

C1: The dwelling is brand new—built within the past 12 months, never occupied, with no signs of wear, a foundation that's 100% original to the new construction, and no physical depreciation at all.

C2: The dwelling looks like new. It was either built or completely gutted and remodeled within the past 36 months, shows virtually no wear and tear, and needs no repairs.

C3: The dwelling has been well looked after and shows only minor wear. Some or most major building components have been updated or renovated, though not every single one; examples include a newer roof, some newer mechanicals, new floor coverings, or a remodeled kitchen or bathroom.

C4: The dwelling has been maintained adequately but shows moderate wear from normal living and weather exposure, may have some updates, but otherwise has older components that remain functional.

C5: The dwelling shows significant wear from poor upkeep, but it's still structurally sound enough to live in. Some components may be missing or near the end of their life—things like a roof that's worn and cupped or curled (but not actively leaking), severely worn floor coverings, or a functional kitchen or bathroom in disrepair—and will need repair or replacement soon.

C6: The dwelling has extreme lack of maintenance with severe damage that affects its soundness or structure, making it unsuitable for occupancy; major components are missing or broken, and immediate repairs or replacement of key parts are required before it can be used.

Fannie Mae requires that properties rated C6 cannot be approved "as is"—they must be appraised "subject to" bringing the property down to at least C5 condition.

Straight from UAD 3.6 / URAR (FNMA) Appendix 2, with Fannie Mae Selling Guide requirements—nothing added.

VA Minimum Property Requirements Change 46 effective May 1, 2026: Defective paint on post-1978 homes no longer a repair condition

Effective May 1, 2026, the VA removed the requirement for appraisers to call for repairs of defective paint on homes built after 1978, treating interior and non-weather-exposed exterior paint as cosmetic issues.

UAD 3.6: Inside the Struggle Over Fees, Turn-Time and Software

Nov. 2 is usually just another day on the calendar — but not this year. That date is when UAD 3.6, the latest reporting "innovation" mandated by Fannie Mae and Freddie Mac (the GSEs), becomes the only way to file an appraisal report with those organizations — and its rocky implementation has been enough to give appraisers a bad case of heartburn. The post UAD 3.6: Inside the Struggle Over Fees...