FAQ

Questions, by use case

Grounded in the real requirements for each property type. Jump to your assignment below.

20 questions · 7 assignment types

General — UAD 3.6 & the URAR

When is UAD 3.6 mandatory?
Lenders may use UAD 3.6 during the limited production period, and all new appraisal reports submitted to UCDP must use UAD 3.6 on or after the GSEs' mandate date. Reports under the prior UAD 2.6 continue under the existing policy until then. Check the GSEs' published transition timeline for the current dates.
Is the URAR one form or several?
One. The dynamic URAR replaces the separate 1004, 1073, 1025, 2090 and related forms. It expands based on the property type and assignment, so a condo report and a manufactured-housing report are the same underlying form rendered differently.
Do I still submit through UCDP?
Yes. Delivery still goes through the Uniform Collateral Data Portal, which applies compliance edits — Fatal edits block the submission and Warning edits flag it. ReportReady runs the same class of checks beforehand so you catch issues on your own time.
Is the PDF or the XML the 'real' report?
The MISMO v3.6 XML is the source of truth. The PDF is a rendered view of that data. When they disagree, the data wins — which is why validation works against the XML.
Does ReportReady guarantee my report will pass UCDP?
No tool can promise that. ReportReady validates against the published GSE UAD 3.6 subschema and the UAD Compliance Rules, which covers the large majority of edits. Final acceptance is always determined by UCDP itself.

Single-family

Which SF scenario is closest to my assignment?
The five SF samples vary by whether the cost approach is used, whether a site value is provided, presence of an ADU, and the condition ratings. Pick the one that matches your cost-approach and site-value situation first — that drives the most requirements.
Why is my 'year built' failing when I entered 2004?
PropertyStructureBuiltYear uses a year format (YYYY) — 2004 is valid. If your tool rejects it, the value is likely being placed under the wrong structure or as a full date. Every dwelling structure needs its own year built (UAD1050).
I filled the address but still get UAD1001. Why?
UAD1001 is scoped to the subject property specifically. If the address sits on a comparable but not on the SubjectProperty record, the edit still fires. Confirm the address is under the property whose ValuationUseType is SubjectProperty.

Condominium

When is the estate type required for a condo?
Whenever the property is not in a project, or the project's legal structure is Condominium, the estate type is required (UAD1021). In practice that means nearly every condo report needs it.
My parking-assignment value is rejected — why?
The UAD 3.6 subschema removed 'Other' as an allowed value for the project parking-space assignment type. Choose a supported enumeration; if your software still lists 'Other', it is out of date.
Where do project amenities go vs. unit features?
Project-level amenities and common elements are modeled on the project, while the unit's own interior improvements belong to the unit's PROPERTY record. Keeping them separate avoids consistency edits.

Cooperative (Co-op)

How is a co-op different from a condo in the data?
A co-op owner holds shares and a proprietary lease rather than a deeded real-property interest. The estate type and real-property-interest containers reflect that, and several conditional edits depend on getting it right.
Does project data apply to co-ops?
Yes — a co-op is a project, so project-level data such as the legal structure type applies, similar to condominiums.

Manufactured housing (MH)

Why does MH almost always need a site value?
Manufactured-housing assignments typically use the cost approach, and when the cost approach is used the estimated site value becomes required (UAD1229). Provide the site value amount and the valuation method together.
What certification data does MH require?
MH reports carry factory-built certification fields and the property's real-property classification. These feed both eligibility and the compliance edits, so they cannot be left blank on a manufactured home.

2–4 unit residential income

How are rental and sales comparables kept separate?
By ValuationUseType. Sales comparables carry 'SalesComparable', rentals carry 'RentalComparable', and GRM comparables carry 'GrossRentMultiplierComparable'. Field requirements differ by use type, so the same field can be required for one and not another.
Does the living-unit count have to match the units I describe?
Yes. The report must be internally consistent between the dwelling's living-unit count and the units you model. Inconsistencies are a common source of edits on 2–4 unit reports.

Privacy & data handling

What happens to the file I upload?
Your file is processed entirely in memory and is never written to disk on our servers. Once the validation report is returned, the uploaded bytes are discarded. We do not store, share, or use your reports to train anything.
Do you see borrower PII?
An appraisal package contains addresses and other sensitive data. Because processing is in-memory and ephemeral, nothing is retained after your report is generated. For teams with stricter requirements, ReportReady can be deployed inside your own environment.
Can we run this on-premises?
Yes. The validation engine is self-contained and can run inside your own network so that reports never leave your infrastructure. Contact us for a self-hosted deployment.