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

Here's what we mean by a desktop appraisal: it's an appraisal report where the appraiser never actually visits the property or inspects the comparable sales in person. Instead, the appraiser gathers information about the subject property from whatever sources they can find—like photos, floor plans, virtual tours, or data provided by people involved in the sale—as long as they can verify those sources are reliable and accurate. Fannie Mae allows this approach for certain eligible transactions and has created a specific desktop appraisal form (Form 1004 Desktop) to document it. The key requirement is that the appraiser must still produce a credible report and verify all the information they rely on, even though they're doing it from their desk rather than on-site.

Straight from Fannie Mae Selling Guide — nothing added.