I had an appraiser do our spec house and he told me they don't count the basement. Finished or not! So for instance in my house I probably have over $40,000.00 just in my basement that counts no more than as if it were just a concrete slab floor. What's wrong with this picture? It's no wonder so many nice houses are appraising so low. Bank and appraisal problems are discussed in this article.
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