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5780 West Centinela Avenue, Building 1, Suite 408
Los Angeles, California 90045
310.337.1973  
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PIRS/ HARRIS COMPANY AND THE SCIENCE OF REAL ESTATE - PARTNERS
What's New? (Archives)

IT’S THE LAW-Designation Discrimination is Illegal [FIRREA, Sec. 564.6]:  Professional Association Membership:
Membership in an appraisal organization:  A State Certified General Appraiser may not be excluded from
consideration for an assignment for a federally related transaction by virtue of membership or lack of
membership in any particular appraisal organization
(Including the Appraisal Institute  (AKA MAI APPRAISER, Designation, MAI
Appraiser.)

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How the Appraisal Institute Destroyed the Real Estate Industry
Curtis D. Harris, BS, CGREA, REB • "How the Appraisal Institute-MAI Destroyed the Real Estate Industry."

All,
We are currently working on a book titled "How the Appraisal Institute -MAI Appraiser Destroyed the Real Estate Industry." The book will discuss
both Debacles I, which occurred in the 90's and affected mainly Commercial Properties that were only appraised by MAI-Appraisal Institute
Members. And, Debacle II which occurred shortly after the MAI-SRA-Appraisal Institute entry into the Residential Appraiser Market. We are
investigating their involvement with Tax Frauds in the Land Trust Tax Credit Program. Fraud and the overvaluation of real estate to close Real
Estate Transactions and Mortgages. The fact that they were suspended and kicked out of the Appraisal Foundation, for their involvement in
activities contrary to the Foundations Doctrine. Their, MAI-Appraisal Institute, present promulgation that appraisers should use non-arm's length
sales transactions as comparables, contrary to logic, public policy, and law. The Fraud around their advertising that they are the best in the field, a
real estate field, when very few of them have degrees in Real Estate. Their affiliation with Financial Institutions. Not to mention their latest report to
congress which is full of lies and misrepresentations http://financialservices.house.gov/UploadedFiles/071311stephens.pdf

The survival of the real estate industry depends on your assistance, the MAI-Appraisal Institute must go. If you can provide appraisals, information,
or other documentation in support of, or rejecting, our premise please, please, contact me at the following email address.
harris_curtis@sbcglobal.net

WE LOOK FORWARD TO YOUR COMMENTS AND A WRITTEN RESPONSE FROM sARA.

John O'Dwyer, MAI, MRICS • This comment is most likely not going yo last long as a post, but his dude Harris is a loose canon. His mind is a
jumble and his opinions are most definitely extreme. As far as I know, but I can not be 100% certain, he has been ousted from other discussion
groups. My advice is just don't play along!

Curtis D. Harris, BS, CGREA, REB • Hi John, didn't realize you were still in business. For all of you who do not know john, he is one of those
frauds, mai, from the appraisal institute, posing as a real estate appraiser, He spends his free time following me all over the web.

This comes from his website, "JSO Valuation Group, Ltd. was founded in 1989 by John O’Dwyer, President. John has nearly 25-years of
professional real estate experience (where is your resume john, still afraid to produce it. you work for a valuation group for 25 years? now where
is your Real Estate Experience) He is a graduate from the University of Dublin, ( Yes folks that is Dublin Ireland, that tiny little brokeass-bankrupt
island over there across the pond.) Trinity College 1984, majoring in real estate finance, town planning and economics ( We searched their
website and could not find an offering for a real estate degree.) His experience began working as a senior appraiser in New York (1984-1987)
and then as a senior loan appraiser in Chicago (1987-1989) (Now come on you disgusting fraud you graduated one day and the next you were a
senior appraiser in New York, it must have been for a MAI Firm.) In 1989, John started his own appraisal company, JSO Valuation Group, Ltd.
(Pretty good with at most 5 years of appraisal practice.)"

To cut to the chase john o’dwyer is a perfect example of what the appraisal institute - mai represents. A cluster of incopentent frauds. Rest
assured he will be in the first chapter if not on the first page.

LIT john

John O'Dwyer, MAI, MRICS • Rest my case..... there is nothing more to say!

Thanks!
Curtis D. Harris, BS, CGREA, REB
Bachelor of Science in Real Estate, CSULA
State Certified General Appraiser
Real Estate Broker
ASTM E-2018 Commercial Real Estate Inspector
HUD 203k Consultant
HUD/FHA Real Estate Appraiser/Reviewer
FannieMae REO Consultant
CTAC LEED Certification

The Harris Company, Forensic Appraisers and Real Estate Consultants
*PIRS/Harris Company and the Science of Real Estate-Partners*
1910 East Mariposa Avenue, Suite 115
El Segundo, CA. 90245
310-337-1973 Office
310-251-3959 Cell
WebSite: http://www.harriscompanyrec.com
Resume: http://www.harriscompanyrec.com/CURRICULUMVITAENAME2011a.pdf
Commercial Appraiser Blog: http://harriscompanyrec.com/blog/

A WORD OF CAUTION: When selecting an Appraiser, Consultant, or Expert please pay close attention to his Resume/CV

IT'S THE LAW-Designation Discrimination is Illegal [FIRREA, Sec. 564.6]: Professional Association Membership http://www.orea.ca.
gov/html/fed_regs.shtml#Statement7 Membership in an appraisal organization: A State Certified General Appraiser may not be excluded from
consideration for an assignment for a federally related transaction by virtue of membership or lack of membership in any particular appraisal
organization, including the appraisal institute.

CONFIDENTIALITY/PRIVILEGE NOTICE: This transmission and any attachments are intended solely for the addressee. The information
contained in this transmission is confidential in nature and protected from further use or disclosure under U.S. Pub. L. 106-102, 113 U.S. Stat.
1338 (1999), and may be subject to consultant/appraiser-client or other legal privilege. Your use or disclosure of this information for any purpose
other than that intended by its transmittal is strictly prohibited and may subject you to fines and/or penalties under federal and state law. If you are
not the intended recipient of this transmission, please destroy all copies received and confirm destruction to the sender via return transmittal



THE CALM BEFORE THE STORM!
Appraisal Institute's - commercial appraiser (
mai) Top Dog (John Ross, CEO) Jumps Ship
Ross: "After nine years with the organization,
I feel that the timing is good for me to explore other opportunities."  

Ross: "
I’d like to see the organization (the appraisal institute) strengthen its ties with the academic community.
The profession needs to focus now on developing more theoretically based tools and on things like
behavioral finance and
economics – which is ultimately what dictates the operation of markets. I’ve often stated that the mark of any profession is in
the development of new theory, and in my estimation
there have been few, if any, advances in this regard in the
appraisal profession for the last 25 years or more
. I’d like to see the Appraisal Institute more involved in some way in
such thought creation."

Are predetermined Appraisal ADJUSTMENTS Legal/Ethical?  Please see attached Predetermined adjustments
provided by
Curtis - Rosenthal, Inc. (MAI Appraiser Los Angeles) LLC. an MAI Firm.  You be the judge and get
back with us or call them for this years update.  If your property was acquired by the Los Angeles World Airport
(LAWA) you had better read this!

"Posted by Appraisal Police on July 10, 2006 at 00:33:42:
In Reply to: Predetermined Adjustments posted by Cochise on July 09, 2006 at 19:26:17:
Fannie Mae Single Family Selling Guide
Part XI: Property and Appraisal Guidelines
XI, Chapter 4: Reviewing the Appraisal Report (11/08/04)
XI, 406: Sales Comparison Approach to Value (01/31/06)
XI, 406.03: Adjustments to Comparable Sales (06/30/02)
Each comparable sale that is used in the sales comparison approach to value must be analyzed for differences and
similarities between it and the property that is being appraised. The appraiser must base his or her analysis and any
adjustments to the comparable sales on the market data for the particular neighborhood and for competing locat1ons—not
on predetermined or assumed dollar adjustments. If an appraiser's adjustments to comparable sales (or the reconciliation of
the comparable sales) are based on unsupported assumptions or personal opinion that cannot be supported by market data,
poor quality appraisals that could have a
discriminatory effect may result."

<Los Angeles and Southern California,  Real Estate Appraiser Los Angeles, Forensic Appraiser, Forensic Appraisal, Commercial appraisal,
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Los Angeles, Commercial Appraisal Services,>

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Apartment Appraiser,California Appraiser,PMI Removal, Certified General, Tax , Multi Family , Bank appraisal institute,Apraiser, comp check, value
check)

Dateline:
INTERNATIONAL RIGHT OF WAY ASSOCIATION (IRWA)
Chapter 1 –Los Angeles County
2006 Annual Fall Seminar

Tuesday, October 24, 2006
Quiet Cannon, Montebello, CA

The Los Angeles World Airport's (LAWA) Director of Economic Development admits that the Manchester Square “Voluntary Purchase” Program is
a part of LAWA’s Master Plan.   This statement was supported by one staff member who presented maps indicating that this area has been set
aside for parking.  

This Freudian slip of the tough could have major legal consequences since under the agencies “voluntary purchase program” homeowners were
not paid Fair Market Value which is “the highest price” required by State Law in condemnation cases.   

For years Vivian Howell, an IRWA and LAWA mucky muck, has stated that we are not going to pay them “the highest price” because this is a
voluntary program.  

This in addition to using unethical appraisal practices like using unqualified appraisal trainees, consultants colluding on values, standardized
comparable adjustments, and in some cases- appraising of property based upon it's existing use, rather than it's “highest and best use.”   It is
estimated that these combined, secret practices, have cost property owners millions.

The Director also stated that he foresaw a number of inverse condemnation cases being filed against the agency, by current residents, because
the LAWA project has left their neighborhood in a shambles.

If you are a homeowner, property, or seller of property to LAWA in this area we strongly suggest that you contact a qualified Real Estate
Condemnation Attorney, or Relocation Expert, and demand a full hearing into these issues.  


Cochise
Commercial Appraiser



Posted by Cochise
Commercial Appraiser
It appears that discrimination is something that the Appraisal Institute knows a lot about.  In fact they use to be called T
he
American Institute of Real Estate Appraisers
until they were sued, for discrimination, by the Federal Government.  They then
changed their name to the Appraisal Institute, same pig, different shade of lipstick.
 (The MAI Commercial Appraiser
Standard,  
Larry A Mc Coy, MAI-commercial appraiser)  Application Local governments are not immune from proscriptions
of Title VIII, and may be sued. United States v Black Jack ... provides for actions against states and political subdivisions as
well as actions against private transactions and practices; comprehensive purpose of Fair Housing Act)... would be diluted if it
were to apply only to actions of private individuals and entities. ... applies to appraisers of real estate. United States v
American Institute of Real Estate Appraisers etc. (1977, ND Ill) 442 F Supp 1072, 24 FR Serv 2d 880, app dismd (CA7 Ill) 590
F2d 242, 48 ALR Fed 657. 42 USCS ? 3604(a, b, d)’

How many errors can you find in this appraisal prepared by Jeffrey T. Nagasaki, MAI of Lea Associates.  They also perform
similar low quality work for the Los Angeles Unified School District and the County of Los Angeles. (Condemnation Appraiser,
Inverse Condemnation Appraiser)

HOW TO CONDUCT A MAI (MADE AS INSTRUCTED?) APPRAISAL
Quote from David Rosenthal, MAI
Here are some tips from seasoned practitioner, David Rosenthal, MAI (Managing Director of Curtis-Rosenthal, LLC) that can
help make your next appraisal experience easy and productive. "4.  
Supply all of your market data, up front. Nothing says
that your appraiser has to independently find all of the relevant market information. Data is data, so make the job easier and
share any market data that you have already
developed. The appraiser will decide which data to use and how to best use it.
Give your appraiser a running start with the benefit of your advance research."

The  Great Texas Bank Job
"The FIRREA Cover Up - FDIC / RTC   The South West Scam
The  Whitewaters  &  Castle Grandes  of   Texas  and   ALL  Across  America
The S&L Gold Rush - The Lack Of Public Accounting

If the bank’s board of directors were the ones doing the looting, however, they readily hired a pliant appraiser to cook up
whatever appraisal value they wanted.  Behind every fraudulent loan was a fraudulent appraisal.  It is nearly impossible for
appraisers to render independent appraisals if the people hiring them do not want one.  When I was in public accounting,
auditors joked that MAI stood for “Made As Instructed.”  The commercial appraisals were largely worthless because they were
not independently rendered.  It is so obvious that it should be beneath mention, but that situation still exists.  

Even if the bank could not find a bona fide buyer, it was supposed to write down the property to fair market value on the
books, taking the loss on its financial statements.  The S&L industry, however, was in dire straits.  Reporting a commercial
loss on the deal would not look good, and might get bank regulators, auditors and others asking questions.  Here is what the
bank did to hide its loss.  Another developer showed up, with similar delusions of grandeur and an equally pitiful pipedream,
except his was twice as large.  He wanted a $6 million construction loan.  The bank hired an appraiser to concoct the
appraisal for the original empty strip mall that valued it at $5 million, even higher than the original pie-in-the-sky price tag that
the original developer dreamed up.  
The MAI commercial appraiser would appraise it for whatever number the bank
wanted.
 The bank would tell the second developer that it would loan him the $6 million if he would buy the empty strip mall
for $5 million.  The bank would loan the developer the money to make the down payment on the empty strip mall, and the first
two years of loan payments.  The developer never got his hands on that money, but the bank held it in escrow, taking the
money out of the commercial account to make the down payment and loan payments.

When the bank made the $6 million commercial construction loan to the second developer, and played internal accounting
games to concoct the “sale” of the first strip mall, instead of recording the $1 million loss, it recorded a $2 million gain, had a
new performing loan on the first strip mall, and the loan was guaranteed to have loan payments made on it for two years.  
Here is a chart to show how the commercial bank hid the loss.

Original loan
$3,000,000

Second MAI  and sale price to second developer  $5,000,000

Gain on phony sale to second developer
$2,000,000

So, with some fancy games and pliant appraisers, the commercial bank recorded a $2 million gain on its deal making.  The
reality, however, was that $9 million had gone out the door, the bank was paying 15% interest to depositors, and no money
was coming in, not even interest payments. "

KEEP UP THE GOOD WORK (MAI-Made as Instructed Appraisers? Commercial Appraisers?)
1. The Defendants Improperly Used Bargain Sale Transactions to Conceal the True Financial Condition of Defendant Church
Extension  30. From at least 1996 to at least April 2002, the Defendants and others engaged in a scheme to conceal
Defendant Church Extension's mounting financial difficulties in order to, among other things, entice investors to invest and/or
reinvest. Specifically, the Defendants and others improperly used bargain sale transactions to generate false paper income
by recognizing the difference between the price paid by Defendant Church Extension and/or United Management and falsely
inflated appraisal values as non-cash contributions. Some of appraisers used in connection with the bargain sale transactions
were
Members of the Appraisal Institute, i.e., MAI appraisals. The appraisals used by the Defendants and others were false
for several reasons, including, but not limited to: a) the use of overstated net-operating income figures, which formed the
basis of some appraisals; b) the failure to account for the limited real-estate market of some of the properties, due to federal
regulations and private covenants; and c) the failure to account for potential environmental hazards on some of the real-
estate properties. Significantly, because inflated appraisal values were used, the price paid by Defendants Church Extension
and/or United Management was a much closer reflection of the actual value of the properties than the inflated appraisal
values. Thus, as a result of using falsely inflated appraisal values, the Defendants and others artificially increased the amount
of non-cash contributions that Defendants Church Extension and/or United Management recognized as income.

2. Plaintiff notified Defendant on May 25, 2004 that it was exercising its option to purchase the
property. Being in agreement that Plaintiff had the right to purchase the property, the parties agreed
to determine the purchase price by each engaging an appraiser who was a member of the
Appraisal Institute (MAI), with
the purchase price to be the average of the two appraisals. Plaintiff engaged an appraiser from Atlanta, Georgia, while
Defendant retained an appraiser from Nashville,
Tennessee. The two appraisals were significantly different. The appraised value determined by
Plaintiff’s appraiser was $1,470,000. The value as determined by Defendant’s appraiser was
$2,375,000.

3. Therefore, on the basis of our review of the record, we conclude that the court properly determined that the plaintiff had
met its burden of showing that the city's assessor (jOHN lEARY,
mai) had overvalued the subject property and that such a
finding was legally and logically correct and supported by the evidence before the court.

4. The town’s appraiser, Christopher K. Kerin (Kerin)
MAI, determined that the fair market value
of the subject property on the October 1, 1995 grand list was as follows:
Land $4,825,000
Site improvements 1,000,000
Main building 9,175,000
__________
$15,000,000

Our determination (trier of fact) of value of the subject property, as of October 1, 1995 is as
follows:
Land $4,825,000
Site improvements 1,000,000
Building 5,239,819
___________
Total $11,064,819

5. "As a residential review appraiser with 14 years experience, I see appraiser fraud weekly," says a northeastern appraiser
who says he is working with the FBI.  At the same time I was turning in these 17 fraud reports, I was warned by a prominent
Appraisal Institute member not to submit those of a certain ethnic race appraiser because he was well politically entrenched
and it could backfire on me," notes the source. "Also, at the same time, I confided in a local Member of the
Appraisal Institute
(MAI)
about the appraisal fraud both in my local area and inside his local AI residential membership. This MAI later
told me to be careful because I could die by the same sword I was wielding (a professional death, not physical death)."

6.  False Appraisals
I'm looking at an
MAI (commercial appraiser) appraisal right now from one of the most respected appraisers in our area that I
know has been influenced in several ways (the appraisal has been influenced, not him). The representations from the owner
of the property concerning zoning, development, potential purchase offers and comparable sales have boosted the value.

7.  Inclosed is a bound hardcopy of the complaint I previously filed with the
North Carolina Appraisal Board against
John K. Weaver, MAI, (a.k.a. "Jack"
Weaver, commercial appraiser) who is the Deputy Director and Chief Investigator of the North
Carolina Appraisal Board (NCAB). (This complaint text is also available
online at www.boardwatch.org/htmfiles/complainttext1.htm .) Copies of Mr.
Weaver's complete research files are also inclosed in "bound report format,"
as are copies of four appraisal reports on the subject property in question
at the NCAB hearing in question.
The NCAB sat on the complaint for many months and then participated in a scam
to "sweep the complaint under the rug." Following in this letter is text
extracted from a post I made 11/16/2001 to an online discussion group for
real estate appraisers across the country (www.AppraisersForum.com) which
explains and documents the response of the NCAB. (The full post can be found
at http://appraisersforum.com/bbs/index.cgi?read=20707 .) Also included is a
printout of a website page from www.BoardWatch.org (via the "FAQ" hyperlink
from the homepage) which provides a very brief overview of the whole
situation. As the NCAB shirked its responsibilities in the matter, I am now
asking the Appraisal Institute to investigate the behavior of this Institute
member.

(Commercial Real Estate Appraiser, Los Angeles,  Commercial Appraisal Services, and Commercial Appraiser)

8. The behavior of this
Member of the Appraisal Institute (MAI) is unacceptable if not outrageous. I've heard no one suggest
otherwise. I dislike putting it this bluntly, but here it is in a nutshell: For the sake of preserving or regaining integrity in North
Carolina appraising, it has become necessary to put the Appraisal Institute to the test. The questions are these:
Is the Appraisal Institute part of the problem in North Carolina?
Is the AI an enabler?

9.   If memory serves me correctly, it was members of the
Appraisal Institute (the self proclaimed leader of appraisal
association, designated with the "prestigious" MAI that were co-conspirators of the S&L crisis.
Industry organizations are concerned with one thing: their own survival. With appraisal organizations competing for members,
they are more focused on their own self preservation than on the betterment of the industry as a whole.

Originally posted by RStrahan@Jan 28 2005, 03:28 PM
The various trade associations are impotent. The members of the Appraisal Foundation only count as one vote, so they are
regularly outnumbered by the members of the very industry that promotes appraisal fraud.
I believe that a merging of organizations is a necessity. However, I explicitely exclud the AI. The AI has regularly supported
AVMs and stood against the interests of the general practice appraiser, so it is not longer a viable force for change in the
industry. In fact, they have often sided with the lending industry against the rest of the appraisal organizations.

Again, Roger hits it on the nose. An organzation that is purported to be in existance for the appraiser. Today, likely 99% of all
residential appraisals are communicated to the lender and/or clients via email or the internet. We most commonly transmit
these in .pdf format since Adobe Acrobat Reader is readily available to all at no cost. Several lenders want appraisals
delivered in what is called AI (Appraisal Institute) ready format. This data format completely rearranges the data structure of
the report. The data is thought to be disseminated into their AVM database. No one but the insiders can prove this, however
this format also does something else which is very disturbing. The appraiser's digital signature is removed from the report
itself and transmitted as a separate .jpg file. This comprimises the security of the report allowing the possibility of data to be
changed. It is a violation of USPAP for an appraiser to knowingly comprimise the security of their digital signatures/reports.

Who would have thought? To comply with the Appraisal Institute brand of appraisal delivery, one has to violate USPAP.

10.  Is this accepting an appraisal with a predetermined value?
Hello Curtis,
A member of Appraisal Data Connection is searching for market data.
Diane Gilbert, MAI, (Appraisal Institute, commercial real estate appraiser) is appraising a proposed 60,000 square foot upscale
residential mansion near Orlando, Florida (yes, that's 60,000 square
feet!)  
The property is located along the popular Butler Chain of Lakes and will
have numerous atypical amenities including an indoor and outdoor pool, a
bowling alley, indoor skating rink, a huge ballroom and colonnade, media
rooms, 2-story library, 10 bedroom suites, and staff quarters.
Diane is looking for sales of similar huge top quality residential
properties anywhere in the U.S.

Sales in excess of $15 million are preferred, (MAI COMMERCIAL APPRAISAL) and sales along waterfront or some type
of resort location would be a plus.

Her best contact method is by email.  If you can help or know someone who can, please email Diane directly at:

Bayvalue@tampabay.rr.
com

11. DATE: 08/01/2006 11:56:00 AM
The malleability of (real estate) appraisals has been a fact of life since for as long as I can remember, and that is probably
longer than most readers have been alive. Down around the bankruptcy court, they used to say that "MAI" stands for "Made
as Instructed."
Posted by: Buce | August 1, 2006 09:01 PM
http://www.prospect.org/deanbaker/2006/07/housing_appraisals_the_account.html

12. April 12, 2006
Working With (Business Valuation) Expert Witnesses
In real estate, the Appraisal Institute awards a designation, MAI, Member, Appraisal Institute. For a variety of reasons, MAI
came to have the derogatory meaning, "made as instructed." Being an "mai" appraiser, whether in real estate, business
appraisal, or any other field of expertise is a prescription for a short-term career. http://merceronvalue.
com/archives/2006/04/working_with_bu.html

13.  David, from the St. Louis Chapter of the Appraisal Institute, just told me last week that at a recent seminar, an instructor
from Guess Who told the group attending the seminar in Typical Delphi Scam and Cognitive Dissonance fashion, that
appraisers would go out of business if they refused to perform AVMs for the banking cartel and the GSEs. Sending the
Appraisal Institute $950 Bucks in MAI, SRPA, SRA professional dues for 2005 is going to be a really tough decision. If I can
find a real job that pays, they won't get my money anymore. Besides being a State Certified General Realty Appraiser is just
as good as having Made As Instructed behind my name -- because that's what the public perceives me to be anyway now -- a
member of the world's oldest profession.
http://www.financialsense.com/editorials/reality/2004/4R1217.html

14.  Gesoff v. IIC Industries Inc. et al., in the Delaware Chancery Court decided May 18,
2006
The parent then offered its appraisals, but the Court saw them as flawed and smacking of
made-as-instructed justification after the fact. In particular, its appraiser did adjust downwards a
management projection without any justification, failed to take into account appreciated realty,
and used a small company premium without regard to the fact that subsidiaries were, in effect,
large businesses in their respective emerging markets

15. SAN FRANCISCO BAY RESTORATION PLAN
Commercial real estate Appraiser (Charles D. Bailey,
MAI) disciplined; taxpayers paid millions
MANY ERRORS ALLEGED IN PURCHASE OF CARGILL PONDS FOR $100 MILLION IN 2003
By Paul Rogers
Mercury News
Susanna Frohman / Mercury News archives In 2002, then-Gov. Gray Davis and Sen. Dianne Feinstein, above, announce a
$100 million deal for the Cargill salt ponds. Complaint against appraiser Charles Bailey (
MAI) (PDF) The settlement
agreement (PDF)

The appraiser (Charles D. Bailey,
MAI) whose report helped set the $100 million price taxpayers paid in the 2003 Cargill salt
ponds deal has been disciplined on allegations that he made numerous errors and violated federal standards when he set a
value for the property.

The state attorney general's office brought a misconduct complaint against Charles Bailey (MAI) of Mill Valley this summer,
alleging 24 significant errors in his appraisal of Cargill lands for the federal government in December 2000.

Bailey, who denied any wrongdoing, agreed Sept. 27 to a censure of his license, known as a ``public reproval.'' He also will
pay $4,000 to cover the costs of the state investigation. Although he will keep his license and can continue working, any
disciplinary action on an appraiser's record is very harmful to his career, said Deputy Attorney General Char Sachson.

News of the settlement heightened concerns that taxpayers may have overpaid by millions of dollars when government
agencies bought 16,500 acres of Cargill salt evaporation ponds from Hayward to Alviso to Redwood City in March 2003. It
also brought calls Tuesday from political leaders for less secrecy in public land deals.

16.  IS THIS
MAI APPRAISER INCOMPETENCY?
Anyone know any sources of gross sales per store data for specific chains? I am appraising three proposed facilities that are
being leased with a level base minimum rent but actual rent is the greater of that minimum rent or 10% of gross sales. I
believe if I use the minimum I could be undervaluing, but am not comfortable using the projections provided without at least
seeing something to compare them to. They are slightly above the minimum rent threshhold.
Paul S. Ness, MAI (commercial appraiser)
www.nessassociates.net

Mr. Ness, MAI was apparently so embarrassed by his own lack of knowledge that he has removed his request from the
AppraisalForum.com website.   The sometimes humorous responses are still there however.

We also received this email from site owner (Wayne McKerley) who suggest that we inappropriately used his copyrighted
material.

Paul Ness posted this on AppraisersForum.com.  You copied it without my permission or without Paul's permission to your web
site.  You also imply that Paul is incompetent by adding the heading "IS THIS MAI APPRAISER INCOMPETENCY?". Paul is
aware of this also and brought it to my attention.

I ask that you remove this from your website and refrain from using our copyrighted material.

Wayne McKerley AppraisersForum.com (Professional Commercial Appraisal Forum?)

17.  
Appraisal Talk Message Board Re: MIA Appraiser San Diego, CA
[ Follow Ups ] [ Post Followup ] [ Appraisal Talk ] [ FAQ ]
--------------------------------------------------------------------------------
Posted by mitchell's mother on October 12, 2006 at 15:53:53:
In Reply to: MIA Appraiser San Diego, CA posted by mitchell on October 12, 2006 at 14:44:37:
I need a state licensed or certified appraiser. I am more interested in experience and education than any phony
designations, that try to cover up their lack of experience and education.

18.  Times Herald-Record
October 17, 2006
Albany — A real estate
appraisal that the City of Middletown relied on to sell off a property two years ago was so riddled with
faults that questions later arose over whether Robert Buckles " (Appraisal Institute, Associate Member) prepared an appraisal
with a predetermined value," a state investigator testified yesterday. In the same hearing, an expert appraiser testified that the
appraisal of the 14-acre property on Ruth Court used outdated property sales for comparisons.
Robert G. Buckles, Associate MAI
President
Countrywide Appraisal Services
P.O. Box 1118
Monticello, NY 12701
547 Broadway
(845) 794-2834x300
Fax: (914) 794-2846
Bob@countywideappraisal.com
Accepts (real estate appraisal) Fee Assignments (more info)

19. LETTER FROM THE (UTAH Appraisal
Institute-MAI) PRESIDENT, 2006
I am proud to be a member of this professional organization.  I
had been ignorant to the extreme member benefits until I
began serving on the Board in 1999.   I want to inform you of the advantages regarding Appraisal Institute membership.  A few
of the programs and promotions by National which benefit members include.
4.  Lobbying Efforts
National has a full time staff of three attorneys in Washington, DC working on our behalf to keep up with federal legislation
and other initiatives that impact our profession and to act as a liaison to the local chapters in keeping up with state issues.  
We also have our own local lobbyist who works with Utah appraisers.  
Lobbying is one of those behind the scenes
activities
that many of us may not give much thought to however, the efforts of these people affect us individually and our
profession in ways that many of us are unaware.

20. Mr. Levy describes in his succinct essay the stranglehold that the banking cartel has on the realty valuation industry. Th
e
Appraisal Institute has an affiliate appraisal management company called REAS (Real Estate Appraisal Services) which
operates http://www.aidirectconnection.com. REAS is owned by Charter One Financial Corporation, the 25th largest bank
holding company in the USA, home based in Ohio. Royal Bank of Scotland is in merger and acquisition negotiations with
Charter One to become the 7th largest bank holding company in the USA, after the Bank One and JPChase Manhattan
merger as the second largest banking conglomerate. This conflict of interest doesn't get any more blatant than these facts. (
AI Direct Connection®      AI Direct Connection
AI Direct Connection provides the real estate marketplace with an efficient and cost-effective means to acquire quality
appraisal services. Appraisers can sign up, free of charge, to be included on the fee panel, specifying their services or
specialties.
AI Direct Connection then sells those services directly to the client. FIND OUT MORE HERE)

21. Excuse me—you're standing on my bonus … reflections on credit culture
RMA Journal, The,  May, 2005  by David H. Wesley
Banks have been widely lauded for their performance through the most recent downturn. Pressure for revenue growth has
invariably led to deal creep--pricing concessions, then deal structure concessions (covenant, guarantees, advance rates,
etc.), and then the rationalization that otherwise marginal credits are acceptable. It takes both courage and conviction to
remain disciplined and diligent to not trade off your credit risk principles. Looking back at performance during the last
downturn, some things were done particularly well, while others could have been done better.
Following are a few of the excuses that we all have heard (or have used) in the credit approval process, along with their
subliminal translations.
We have an MAI appraisal that supports the request.
Translation: The appraisal is a
made-as-instructed real estate valuation.

22. Posted by
Appraiser Central on October 18, 2006 at 20:00:21:
In Reply to: ai posted by Cochise on October 18, 2006 at 18:29:29:
The Appraisal Institute has had "conflict of issue", issues for many years now. Especially with Charter One Bank and also
Washington Mutual (WAMU). The Appraisal Institute doesn't seem to care. This being "in bed" with Charter One and
Washington Mutual was a big part of
our boycott of the Appraisal Institute a few years ago when the AI decided to create
their own AVM (AIRD) with Charter One Bank and WAMU as their biggest backers.
Also, the AI can't even advertise without lying. They have been running radio ads here in Massachusetts, where they tout the
lie that "Appraisal Institute Members are better qualified and have more education" than non-Appraisal Institute members. I
can't wait till the first homeowner here gets an AI member with only 2 years experience; and the job is way over their head.
The sooner we as an industry get rid of Appraisal Management companies, and designation "tea clubs", the better off we will
be.

Posted by Appraisal Police on July 06, 2006 at 22:12:55:
FBI:
Appraisal Fraud Serious (Commercial Appraiser, sic); Calls for Industry to Team up with Law Enforcement
July 2006
In a June 14 speech, a Federal Bureau of Investigation specialist said that appraisal fraud has become the most serious form
of mortgage fraud. In a presentation to an American Bankers Association conference in Orlando, Ronda Helig, supervisory
special agent for the FBI, said that appraisal fraud accounts for 80 percent of all the mortgage fraud that is reported and that
the average loss per occurrence of appraisal fraud exceeds $60,000. Based on these figures, Helig called for a cooperative
response between industry and law enforcement.

Successfully using
forensic appraisals (appraiser) in the tax courts requires that the property owner understand the special
issues involved with these types of appraisals, as they differ significantly from typical real estate appraisals.  The differences
cover the gamut of legal issues from communication between the client and the appraiser through the legal admissibility of
appraisal methodology.

Kacha v. Allstate Ins. Co. (06/26/06 - No.
D046961)
A judgment confirming an insurance commercial appraisal award involving property damaged by a wildfire is reversed
pursuant to an insured's claims that: 1) the award exceeded the appraisers' jurisdiction, and the trial court erred by finding he
waived the jurisdictional rule; and 2) the court erred by finding he was precluded from challenging the appraisal award
because he took possession of, but did not negotiate, checks the insurer provided him to cover the award.


What, in the world, are they Doing wRONG? Appraisal Institute suffers another loss! "AI commercial database bites the dust."
Appraisal Institute (AI) will be closing down the AI Commercial Database on November 1, 2005. (California MAI Appraiser)

APPRAISAL INSTITUTE REMOVED FROM APPRAISAL FOUNDATION IN SHAME


11. On its Form 1065, United States Partnership Income Tax Return, for calendar year 1998, Marsh Mountain valued the fair
market value of the donation of the 550 acre parcel at $2,750,000 or $5,000 per acre. This valuation was determined by an
appraisal dated December 14, 1998 performed by E. Ted Golden,
MAI.
12. In the FPAA issued March 14, 2002, the Commissioner of Internal Revenue ("Commissioner") determined that the fair
market value of the 550 acre parcel as of December 21, 1998, was $1,100,000, or $2,000 per acre. Accordingly, the Internal
Revenue Service increased the taxable income of Marsh Mountain's partners by $1,650,000 for calendar year 1998.


Hang 'em High
This Appraisal Institute Scandal has been brewing for years, and may be finally coming to a head:
EXECUTIVE
SUMMARY
A. General Overview of Investigation
1. Scope
The Staff began its investigation of TNC in July 2003. The investigation
comprised a detailed review of certain TNC programs, activities, practices, and
transactions in light of section 501(c)(3) 1 governing tax-exempt status, unrelated
business income tax, the excess benefit excise taxes, and Federal tax and information
reporting requirements. In addition, the Committee reviewed TNC’s practices regarding
the solicitation, valuation, documentation, substantiation, and reporting of charitable
contributions of property other than cash. The Washington Post reported on some
areas that the Staff reviewed in a series of articles first published in May 2003.2
The use of the “
subdivision development analysis” method used by (MAI?) appraisers to
value conservation easements is perceived by some to be abused by appraisers.95 TNC
notes that this appraisal method was used to value the easement that resulted from the
Shelter Island CBP transaction.96 Staff notes that this property may actually be more
valuable undivided and subject to an easement than subdivided and questions whether the
subdivision development analysis may be inappropriate for some transactions.
95 See Nancy A. McLaughlin, Increasing the Tax Incentives for Conservation Easement Donations – A Responsible
Approach, 31 Ecology L.Q.1, 78-81 (2004) (discussing the growing use of the “subdivision development analysis, ” which
generally bases the value of the property by reference to acquiring the property for subdivision and development as
commercial or residential uses, to inflate the before-easement value in a conservation easement appraisal). See also, Local,
State, and Federal Tax Aspects of Conservation Easements, 2nd Edition, South Carolina Department of Revenue, March
2005, p. 96.
Steven T.
Miller, the commissioner of the tax-exempt division of the
IRS, said that potential valuation problems with conservation
easements have led the revenue service to start 240 examinations of
donors who have taken an open-space easement deduction. The IRS is
considering examinations of another 100 donors who have participated
in easement transactions, he said, and is looking into the easement
practices of many charities.


SEC. 6695A. SUBSTANTIAL AND GROSS VALUATION MISSTATEMENTS ATTRIBUTABLE TO INCORRECT APPRAISALS.

"(a) IMPOSITION OF PENALTY. -- If --

"(1) a person prepares an appraisal of the value of property and such person knows, or reasonably should have known, that
the appraisal would be used in connection with a return or a claim for refund, and

"(2) the claimed value of the property on a return or claim for refund which is based on such appraisal results in a substantial
valuation misstatement under chapter 1 (within the meaning of section 6662(e)), or a gross valuation misstatement (within the
meaning of section 6662(h)), with respect to such property, then such person shall pay a penalty in the amount determined
under subsection (b).

"(b) AMOUNT OF PENALTY. -- The amount of the penalty imposed under subsection (a) on any person with respect to an
appraisal shall be equal to the lesser of --

"(1) the greater of --

"(A) 10 percent of the amount of the underpayment (as defined in section 6664(a)) attributable to the misstatement described
in subsection (a)(2), or

"(B) $1,000, or

"(2) 125 percent of the gross income received by the person described in subsection (a)(1) from the preparation of the
appraisal.

"(c) EXCEPTION. -- No penalty shall be imposed under subsection (a) if the person establishes to the satisfaction of the
Secretary that the value established in the appraisal was more likely than not the proper value.".

(2) RULES APPLICABLE TO PENALTY. -- Section 6696 (relating to rules applicable with respect to sections 6694 and 6695)
is amended - -

(A) by striking "6694 and 6695" each place it appears in the text and heading and inserting "6694, 6695, and 6695A", and

(B) by striking "6694 or 6695" each place it appears in the text and inserting "6694, 6695, or 6695A".

(3) CONFORMING AMENDMENT. -- The table of sections for part I of subchapter B of chapter 68 is amended by striking the
item relating to section 6696 and inserting the following new items:

"Sec. 6695A.. Substantial and gross valuation misstatements attributable to incorrect appraisals.

"Sec. 6696. Rules applicable with respect to sections 6694, 6695, and 6695A.".

(c) QUALIFIED APPRAISERS AND APPRAISALS. --

(1) IN GENERAL. -- Subparagraph (E) of section 170(f)(11) is amended to read as follows:

"(E) QUALIFIED APPRAISAL AND APPRAISER. -- For purposes of this paragraph --

"(i) QUALIFIED APPRAISAL. -- The term 'qualified appraisal' means, with respect to any property, an appraisal of such
property which --

"(I) is treated for purposes of this paragraph as a qualified appraisal under regulations or other guidance prescribed by the
Secretary, and

"(II) is conducted by a qualified appraiser in accordance with generally accepted appraisal standards and any regulations or
other guidance prescribed under subclause (I).

"(ii) QUALIFIED APPRAISER. -- Except as provided in clause (iii), the term 'qualified appraiser' means an individual who --

"(I) has earned an appraisal designation from a recognized professional appraiser organization or has otherwise met minimum
education and experience requirements set forth in regulations prescribed by the Secretary,

"(II) regularly performs appraisals for which the individual receives compensation, and

"(III) meets such other requirements as may be prescribed by the Secretary in regulations or other guidance.

"(iii) SPECIFIC APPRAISALS. -- An individual shall not be treated as a qualified appraiser with respect to any specific
appraisal unless --

"(I) the individual demonstrates verifiable education and experience in valuing the type of property subject to the appraisal,
and

"(II) the individual has not been prohibited from practicing before the Internal Revenue Service by the Secretary under section
330(c) of title 31, United States Code, at any time during the 3-year period ending on the date of the appraisal.".

(2) REASONABLE CAUSE EXCEPTION. -- Subparagraphs (B) and (C) of section 6664(c)(3) are amended to read as follows:

"(B) QUALIFIED APPRAISAL. -- The term 'qualified appraisal' has the meaning given such term by section 170(f)(11)(E)(i).

"(C) QUALIFIED APPRAISER. -- The term 'qualified appraiser' has the meaning given such term by section 170(f)(11)(E)(ii).".

(d) DISCIPLINARY ACTIONS AGAINST APPRAISERS. -- Section 330(c) of title 31, United States Code, is amended by striking
"with respect to whom a penalty has been assessed under section 6701(a) of the Internal Revenue Code of 1986".

(e) EFFECTIVE DATES. --

(1) MISSTATEMENT PENALTIES. -- Except as provided in paragraph (3), the amendments made by subsection (a) shall apply
to returns filed after the date of the enactment of this Act.

(2) APPRAISER PROVISIONS. -- Except as provided in paragraph (3), the amendments made by subsections (b), (c), and (d)
shall apply to appraisals prepared with respect to returns or submissions filed after the date of the enactment of this Act.

(3) SPECIAL RULE FOR CERTAIN EASEMENTS. -- In the case of a contribution of a qualified real property interest which is a
restriction with respect to the exterior of a building described in section 170(h)(4)(C)(ii) of the Internal Revenue Code of 1986,
and an appraisal with respect to the contribution, the amendments made by subsections (a) and (b) shall apply to returns filed
after December 16, 2004.


(Real Estate Appraiser Orange Riverside Ventura San Bernardino Counties, Commercial Appraisal Services, millionaire
services, Real Estate Appraiser, Real Estate Appraiser Los Angeles, find appraiser, find real estate appraiser, San Fernando
Valley, Inland Empire, OC, San Gabriel Valley, )

Dirty, Rotten,
Scoundrels,
OC commercial, A MAI Firm has chosen the lowest of the low advertising schemes, Fear and Lies:
"Don't Risk an IRS Audit Use an Expert MAI Appraisal"

THE CALM BEFORE THE STORM!
Appraisal Institute's (
mai) Top Dog (John Ross, CEO) Jumps Ship
Ross: "After nine years with the organization,
I feel that the timing is good for me to explore other opportunities."  

Ross: "
I’d like to see the organization (the appraisal institute) strengthen its ties with the academic community.
The profession needs to focus now on developing more theoretically based tools and on things like
behavioral finance and
economics – which is ultimately what dictates the operation of markets. I’ve often stated that the mark of any profession is in
the development of new theory, and in my estimation
there have been few, if any, advances in this regard in the
appraisal profession for the last 25 years or more
. I’d like to see the Appraisal Institute more involved in some way in
such thought creation."

Are predetermined Appraisal ADJUSTMENTS Legal/Ethical?  Please see attached Predetermined adjustments
provided by
Curtis - Rosenthal, Inc. (MAI Appraiser Los Angeles) LLC. an MAI Firm.  You be the judge and get
back with us or call them for this years update.  If your property was acquired by the Los Angeles World Airport
(LAWA) you had better read this!

"Posted by Appraisal Police on July 10, 2006 at 00:33:42:
In Reply to: Predetermined Adjustments posted by Cochise on July 09, 2006 at 19:26:17:
Fannie Mae Single Family Selling Guide
Part XI: Property and Appraisal Guidelines
XI, Chapter 4: Reviewing the Appraisal Report (11/08/04)
XI, 406: Sales Comparison Approach to Value (01/31/06)
XI, 406.03: Adjustments to Comparable Sales (06/30/02)
Each comparable sale that is used in the sales comparison approach to value must be analyzed for differences and
similarities between it and the property that is being appraised. The appraiser must base his or her analysis and any
adjustments to the comparable sales on the market data for the particular neighborhood and for competing locat1ons—not
on predetermined or assumed dollar adjustments. If an appraiser's adjustments to comparable sales (or the reconciliation of
the comparable sales) are based on unsupported assumptions or personal opinion that cannot be supported by market data,
poor quality appraisals that could have a
discriminatory effect may result."

<Appraisal Institute - MAI Designation, Los Angeles and Southern California,  Real Estate Appraiser Los Angeles, Forensic Appraiser Los
Angeles, Forensic Appraisal, Commercial appraisal, Curtis-Rosenthal Inc.  real estate appraiser & consultant, Expert Witness, Real Estate
consultant, LA, L.A., Southern California, commercial appraiser, appraiser los angeles, real estate appraiser,  condemnation appraiser,  la
commercial appraiser, ca commercial appraiser, Real Estate Appraiser, Real Estate Appraiser Los Angeles, Commercial Appraisal Services,  
Real Estate Appraiser Orange Riverside Ventura San Bernardino Counties,
OC Real Estate Appraiser Los Angeles, Orange County Cities, Aliso Viejo,
Anaheim, Brea, Buena Park, Costa Mesa, Cypress, Dana Point, Fountain Valley, Fullerton, Garden Grove, Huntington Beach, Irvine, La Habra, La Palma, Laguna
Beach, Laguna Hills, Laguna Niguel, Laguna Woods, Lake Forest, Los Alamitos, Mission Viejo, Newport Beach, Orange, Placentia, Rancho Santa Margarita, of San
Clemente, San Juan Capistrano, Santa Ana, Seal Beach, Stanton, Tustin, Villa Park, Westminster, Yorb
a Linda>

Services: Eminent Domain appraiser appraisal, The Harris Company REA/C
(commercial appraiser los angeles, inverse condemnation appraiser,  expert witness real estate, real property, commercial appraiser,
commercial real estate, Los Angeles, Estate , Probate, Trust, Tax, MAI Appraiser, LA, L.A., real estate  land los angeles, commercial real estate
inspectors, real estate brokers, los angeles, real estate appraiser,  Los Angeles,  llp, mark to marker, Land Appraiser, Special Purpose Property
Appraiser, Office Property, Commercial appraisal, Restaurant, Apartment, VANDEMA, Southern California Commercial Real Estate, Residential
Appraiser, Apartment Appraiser,California Appraiser,PMI Removal, Certified General, Tax , Multi Family , Bank appraisal institute,Apraiser, comp
check, value check)

Dateline:
INTERNATIONAL RIGHT OF WAY ASSOCIATION (IRWA)
Chapter 1 –Los Angeles County
2006 Annual Fall Seminar

Tuesday, October 24, 2006
Quiet Cannon, Montebello, CA

The Los Angeles World Airport's (LAWA) Director of Economic Development admits that the Manchester Square “Voluntary Purchase” Program is
a part of LAWA’s Master Plan.   This statement was supported by one staff member who presented maps indicating that this area has been set
aside for parking.  

This Freudian slip of the tough could have major legal consequences since under the agencies “voluntary purchase program” homeowners were
not paid Fair Market Value which is “the highest price” required by State Law in condemnation cases.   

For years Vivian Howell, an IRWA and LAWA mucky muck, has stated that we are not going to pay them “the highest price” because this is a
voluntary program.  

This in addition to using unethical appraisal practices like using unqualified appraisal trainees, consultants colluding on values, standardized
comparable adjustments, and in some cases- appraising of property based upon it's existing use, rather than it's “highest and best use.”   It is
estimated that these combined, secret practices, have cost property owners millions.

The Director also stated that he foresaw a number of inverse condemnation cases being filed against the agency, by current residents, because
the LAWA project has left their neighborhood in a shambles.

If you are a homeowner, property, or seller of property to LAWA in this area we strongly suggest that you contact a qualified Real Estate
Condemnation Attorney, or Relocation Expert, and demand a full hearing into these issues.  


Cochise
Commercial Appraiser

Posted by Cochise
Commercial Appraiser
It appears that discrimination is something that the Appraisal Institute knows a lot about.  In fact they use to be called T
he
American Institute of Real Estate Appraisers
until they were sued, for discrimination, by the Federal Government.  They then
changed their name to the Appraisal Institute, same pig, different shade of lipstick.
 (The MAI Appraiser Standard,  Larry A
Mc Coy, MAI)  Application Local governments are not immune from proscriptions of Title VIII, and may be sued. United States
v Black Jack ... provides for actions against states and political subdivisions as well as actions against private transactions
and practices; comprehensive purpose of Fair Housing Act)... would be diluted if it were to apply only to actions of private
individuals and entities. ... applies to appraisers of real estate. United States v American Institute of Real Estate Appraisers
etc. (1977, ND Ill) 442 F Supp 1072, 24 FR Serv 2d 880, app dismd (CA7 Ill) 590 F2d 242, 48 ALR Fed 657. 42 USCS ? 3604
(a, b, d)’

How many errors can you find in this appraisal prepared by
Jeffrey T. Nagasaki, MAI of Lea Associates.  They also perform
similar low quality work for the Los Angeles Unified School District and the County of Los Angeles. (Condemnation Appraiser,
Inverse Condemnation Appraiser)

HOW TO CONDUCT A MAI (MADE AS INSTRUCTED?) APPRAISAL
Quote from David Rosenthal, MAI
Here are some tips from seasoned practitioner, David Rosenthal, MAI (Managing Director of Curtis-Rosenthal, LLC) that can
help make your next appraisal experience easy and productive.

"4.  
Supply all of your market data, up front. Nothing says that your appraiser has to independently find all of the relevant
market information. Data is data, so make the job easier and share any market data that you have already
developed. The
appraiser will decide which data to use and how to best use it. Give your appraiser a running start with the benefit of your
advance research."

The  Great Texas Bank Job
"The FIRREA Cover Up - FDIC / RTC   The South West Scam
The  Whitewaters  &  Castle Grandes  of   Texas  and   ALL  Across  America
The S&L Gold Rush - The Lack Of Public Accounting

If the bank’s board of directors were the ones doing the looting, however, they readily hired a pliant appraiser to cook up
whatever appraisal value they wanted.  Behind every fraudulent loan was a fraudulent appraisal.  It is nearly impossible for
appraisers to render independent appraisals if the people hiring them do not want one.  When I was in public accounting,
auditors joked that MAI stood for “Made As Instructed.”  The commercial appraisals were largely worthless because they were
not independently rendered.  It is so obvious that it should be beneath mention, but that situation still exists.  

Even if the bank could not find a bona fide buyer, it was supposed to write down the property to fair market value on the
books, taking the loss on its financial statements.  The S&L industry, however, was in dire straits.  Reporting a commercial
loss on the deal would not look good, and might get bank regulators, auditors and others asking questions.  Here is what the
bank did to hide its loss.  Another developer showed up, with similar delusions of grandeur and an equally pitiful pipedream,
except his was twice as large.  He wanted a $6 million construction loan.  The bank hired an appraiser to concoct the
appraisal for the original empty strip mall that valued it at $5 million, even higher than the original pie-in-the-sky price tag that
the original developer dreamed up.  
The MAI commercial appraiser would appraise it for whatever number the bank
wanted.
 The bank would tell the second developer that it would loan him the $6 million if he would buy the empty strip mall
for $5 million.  The bank would loan the developer the money to make the down payment on the empty strip mall, and the first
two years of loan payments.  The developer never got his hands on that money, but the bank held it in escrow, taking the
money out of the commercial account to make the down payment and loan payments.

When the bank made the $6 million commercial construction loan to the second developer, and played internal accounting
games to concoct the “sale” of the first strip mall, instead of recording the $1 million loss, it recorded a $2 million gain, had a
new performing loan on the first strip mall, and the loan was guaranteed to have loan payments made on it for two years.  
Here is a chart to show how the commercial bank hid the loss.

Original loan
$3,000,000

Second MAI  and sale price to second developer  $5,000,000

Gain on phony sale to second developer
$2,000,000

So, with some fancy games and pliant appraisers, the commercial bank recorded a $2 million gain on its deal making.  The
reality, however, was that $9 million had gone out the door, the bank was paying 15% interest to depositors, and no money
was coming in, not even interest payments. "

KEEP UP THE GOOD WORK (MAI-Made as Instructed Appraisers? Commercial Appraisers?)
1. The Defendants Improperly Used Bargain Sale Transactions to Conceal the True Financial Condition of Defendant Church
Extension  30. From at least 1996 to at least April 2002, the Defendants and others engaged in a scheme to conceal
Defendant Church Extension's mounting financial difficulties in order to, among other things, entice investors to invest and/or
reinvest. Specifically, the Defendants and others improperly used bargain sale transactions to generate false paper income
by recognizing the difference between the price paid by Defendant Church Extension and/or United Management and falsely
inflated appraisal values as non-cash contributions. Some of appraisers used in connection with the bargain sale transactions
were
Members of the Appraisal Institute, i.e., MAI appraisals. The appraisals used by the Defendants and others were false
for several reasons, including, but not limited to: a) the use of overstated net-operating income figures, which formed the
basis of some appraisals; b) the failure to account for the limited real-estate market of some of the properties, due to federal
regulations and private covenants; and c) the failure to account for potential environmental hazards on some of the real-
estate properties. Significantly, because inflated appraisal values were used, the price paid by Defendants Church Extension
and/or United Management was a much closer reflection of the actual value of the properties than the inflated appraisal
values. Thus, as a result of using falsely inflated appraisal values, the Defendants and others artificially increased the amount
of non-cash contributions that Defendants Church Extension and/or United Management recognized as income.

2. Plaintiff notified Defendant on May 25, 2004 that it was exercising its option to purchase the
property. Being in agreement that Plaintiff had the right to purchase the property, the parties agreed
to determine the purchase price by each engaging an appraiser who was a member of the
Appraisal
Institute (MAI), with the purchase price to be the average of the two appraisals. Plaintiff engaged
an appraiser from Atlanta, Georgia, while Defendant retained an appraiser from Nashville,
Tennessee. The two appraisals were significantly different. The appraised value determined by
Plaintiff’s appraiser was $1,470,000. The value as determined by Defendant’s appraiser was
$2,375,000.

3. Therefore, on the basis of our review of the record, we conclude that the court properly determined that the plaintiff had
met its burden of showing that the city's assessor (jOHN lEARY,
mai) had overvalued the subject property and that such a
finding was legally and logically correct and supported by the evidence before the court.

4. The town’s appraiser, Christopher K. Kerin (Kerin)
MAI, determined that the fair market value
of the subject property on the October 1, 1995 grand list was as follows:
Land $4,825,000
Site improvements 1,000,000
Main building 9,175,000
__________
$15,000,000

Our determination (trier of fact) of value of the subject property, as of October 1, 1995 is as
follows:
Land $4,825,000
Site improvements 1,000,000
Building 5,239,819
___________
Total $11,064,819

5. "As a residential review appraiser with 14 years experience, I see appraiser fraud weekly," says a northeastern appraiser
who says he is working with the FBI.  At the same time I was turning in these 17 fraud reports, I was warned by a prominent
Appraisal Institute member not to submit those of a certain ethnic race appraiser because he was well politically entrenched
and it could backfire on me," notes the source. "Also, at the same time, I confided in a local Member of the
Appraisal Institute
(MAI)
about the appraisal fraud both in my local area and inside his local AI residential membership. This MAI later
told me to be careful because I could die by the same sword I was wielding (a professional death, not physical death)."

6.  False Appraisals
I'm looking at an
MAI appraisal right now from one of the most respected appraisers in our area that I know has been
influenced in several ways (the appraisal has been influenced, not him). The representations from the owner of the property
concerning zoning, development, potential purchase offers and comparable sales have boosted the value.

7.  Inclosed is a bound hardcopy of the complaint I previously filed with the
North Carolina Appraisal Board against
John K. Weaver, MAI, (a.k.a. "Jack"
Weaver) who is the Deputy Director and Chief Investigator of the North
Carolina Appraisal Board (NCAB). (This complaint text is also available
online at www.boardwatch.org/htmfiles/complainttext1.htm .) Copies of Mr.
Weaver's complete research files are also inclosed in "bound report format,"
as are copies of four appraisal reports on the subject property in question
at the NCAB hearing in question.
The NCAB sat on the complaint for many months and then participated in a scam
to "sweep the complaint under the rug." Following in this letter is text
extracted from a post I made 11/16/2001 to an online discussion group for
real estate appraisers across the country (www.AppraisersForum.com) which
explains and documents the response of the NCAB. (The full post can be found
at http://appraisersforum.com/bbs/index.cgi?read=20707 .) Also included is a
printout of a website page from www.BoardWatch.org (via the "FAQ" hyperlink
from the homepage) which provides a very brief overview of the whole
situation. As the NCAB shirked its responsibilities in the matter, I am now
asking the Appraisal Institute to investigate the behavior of this Institute
member.

(Commercial Real Estate Appraiser, Los Angeles,  Commercial Appraisal Services, and Commercial Appraiser)

8. The behavior of this
Member of the Appraisal Institute (MAI) is unacceptable if not outrageous. I've heard no one suggest
otherwise. I dislike putting it this bluntly, but here it is in a nutshell: For the sake of preserving or regaining integrity in North
Carolina appraising, it has become necessary to put the Appraisal Institute to the test. The questions are these:
Is the Appraisal Institute part of the problem in North Carolina?
Is the AI an enabler?

9.   If memory serves me correctly, it was members of the
Appraisal Institute (the self proclaimed leader of appraisal
association, designated with the "prestigious" MAI that were co-conspirators of the S&L crisis.
Industry organizations are concerned with one thing: their own survival. With appraisal organizations competing for members,
they are more focused on their own self preservation than on the betterment of the industry as a whole.

Originally posted by RStrahan@Jan 28 2005, 03:28 PM
The various trade associations are impotent. The members of the Appraisal Foundation only count as one vote, so they are
regularly outnumbered by the members of the very industry that promotes appraisal fraud.
I believe that a merging of organizations is a necessity. However, I explicitely exclud the AI. The AI has regularly supported
AVMs and stood against the interests of the general practice appraiser, so it is not longer a viable force for change in the
industry. In fact, they have often sided with the lending industry against the rest of the appraisal organizations.

Again, Roger hits it on the nose. An organzation that is purported to be in existance for the appraiser. Today, likely 99% of all
residential appraisals are communicated to the lender and/or clients via email or the internet. We most commonly transmit
these in .pdf format since Adobe Acrobat Reader is readily available to all at no cost. Several lenders want appraisals
delivered in what is called AI (Appraisal Institute) ready format. This data format completely rearranges the data structure of
the report. The data is thought to be disseminated into their AVM database. No one but the insiders can prove this, however
this format also does something else which is very disturbing. The appraiser's digital signature is removed from the report
itself and transmitted as a separate .jpg file. This comprimises the security of the report allowing the possibility of data to be
changed. It is a violation of USPAP for an appraiser to knowingly comprimise the security of their digital signatures/reports.

Who would have thought? To comply with the Appraisal Institute brand of appraisal delivery, one has to violate USPAP.

10.  Is this accepting an appraisal with a predetermined value?
Hello Curtis,
A member of Appraisal Data Connection is searching for market data.
Diane Gilbert, MAI, (Appraisal Institute) is appraising a proposed 60,000 square foot upscale
residential mansion near Orlando, Florida (yes, that's 60,000 square
feet!)  
The property is located along the popular Butler Chain of Lakes and will
have numerous atypical amenities including an indoor and outdoor pool, a
bowling alley, indoor skating rink, a huge ballroom and colonnade, media
rooms, 2-story library, 10 bedroom suites, and staff quarters.
Diane is looking for sales of similar huge top quality residential
properties anywhere in the U.S.

Sales in excess of $15 million are preferred, (MAI APPRAISAL) and sales along waterfront
or some type of resort location would be a plus.

Her best contact method is by email.  If you can help or know someone who
can, please email Diane directly at:
Bayvalue@tampabay.rr.com

11. DATE: 08/01/2006 11:56:00 AM
The malleability of appraisals has been a fact of life since for as long as I can remember, and that is probably longer than
most readers have been alive. Down around the bankruptcy court, they used to say that "MAI" stands for "Made as Instructed."
Posted by: Buce | August 1, 2006 09:01 PM
http://www.prospect.org/deanbaker/2006/07/housing_appraisals_the_account.html

12. April 12, 2006
Working With (Business Valuation) Expert Witnesses
In real estate, the Appraisal Institute awards a designation, MAI, Member, Appraisal Institute. For a variety of reasons, MAI
came to have the derogatory meaning, "made as instructed." Being an "mai" appraiser, whether in real estate, business
appraisal, or any other field of expertise is a prescription for a short-term career. http://merceronvalue.
com/archives/2006/04/working_with_bu.html

13.  David, from the St. Louis Chapter of the Appraisal Institute, just told me last week that at a recent seminar, an instructor
from Guess Who told the group attending the seminar in Typical Delphi Scam and Cognitive Dissonance fashion, that
appraisers would go out of business if they refused to perform AVMs for the banking cartel and the GSEs. Sending the
Appraisal Institute $950 Bucks in MAI, SRPA, SRA professional dues for 2005 is going to be a really tough decision. If I can
find a real job that pays, they won't get my money anymore. Besides being a State Certified General Realty Appraiser is just
as good as having Made As Instructed behind my name -- because that's what the public perceives me to be anyway now -- a
member of the world's oldest profession.
http://www.financialsense.com/editorials/reality/2004/4R1217.html

14.  Gesoff v. IIC Industries Inc. et al., in the Delaware Chancery Court decided May 18,
2006
The parent then offered its appraisals, but the Court saw them as flawed and smacking of
made-as-instructed justification after the fact. In particular, its appraiser did adjust downwards a
management projection without any justification, failed to take into account appreciated realty,
and used a small company premium without regard to the fact that subsidiaries were, in effect,
large businesses in their respective emerging markets

15. SAN FRANCISCO BAY RESTORATION PLAN
Appraiser (Charles D. Bailey,
MAI) disciplined; taxpayers paid millions
MANY ERRORS ALLEGED IN PURCHASE OF CARGILL PONDS FOR $100 MILLION IN 2003
By Paul Rogers
Mercury News
Susanna Frohman / Mercury News archives
In 2002, then-Gov. Gray Davis and Sen. Dianne Feinstein, above, announce a $100 million deal for the Cargill salt ponds.
Complaint against appraiser Charles Bailey (
MAI) (PDF) The settlement agreement (PDF)

The appraiser (Charles D. Bailey,
MAI) whose report helped set the $100 million price taxpayers paid in the 2003 Cargill salt
ponds deal has been disciplined on allegations that he made numerous errors and violated federal standards when he set a
value for the property.

The state attorney general's office brought a misconduct complaint against Charles Bailey (MAI) of Mill Valley this summer,
alleging 24 significant errors in his appraisal of Cargill lands for the federal government in December 2000.

Bailey, who denied any wrongdoing, agreed Sept. 27 to a censure of his license, known as a ``public reproval.'' He also will
pay $4,000 to cover the costs of the state investigation. Although he will keep his license and can continue working, any
disciplinary action on an appraiser's record is very harmful to his career, said Deputy Attorney General Char Sachson.

News of the settlement heightened concerns that taxpayers may have overpaid by millions of dollars when government
agencies bought 16,500 acres of Cargill salt evaporation ponds from Hayward to Alviso to Redwood City in March 2003. It
also brought calls Tuesday from political leaders for less secrecy in public land deals.

16.  IS THIS
MAI APPRAISER INCOMPETENCY?
Anyone know any sources of gross sales per store data for specific chains? I am appraising three proposed facilities that are
being leased with a level base minimum rent but actual rent is the greater of that minimum rent or 10% of gross sales. I
believe if I use the minimum I could be undervaluing, but am not comfortable using the projections provided without at least
seeing something to compare them to. They are slightly above the minimum rent threshhold.
Paul S. Ness, MAI
www.nessassociates.net

Mr. Ness, MAI was apparently so embarrassed by his own lack of knowledge that he has removed his request
from the AppraisalForum.com website.   The sometimes humorous responses are still there however.

We also received this email from site owner (Wayne McKerley) who suggest that we inappropriately used his copyrighted
material.

Paul Ness posted this on AppraisersForum.com.  You copied it without my permission or without Paul's permission to your web
site.  You also imply that Paul is incompetent by adding the heading "IS THIS MAI APPRAISER INCOMPETENCY?". Paul is
aware of this also and brought it to my attention.

I ask that you remove this from your website and refrain from using our copyrighted material.

Wayne McKerley
AppraisersForum.com
(Professional Commercial Appraisal Forum?)

17.  
Appraisal Talk Message Board
Re: MIA Appraiser San Diego, CA
[ Follow Ups ] [ Post Followup ] [ Appraisal Talk ] [ FAQ ]
--------------------------------------------------------------------------------
Posted by mitchell's mother on October 12, 2006 at 15:53:53:
In Reply to: MIA Appraiser San Diego, CA posted by mitchell on October 12, 2006 at 14:44:37:
I need a state licensed or certified appraiser. I am more interested in experience and education than any phony
designations, that try to cover up their lack of experience and education.

18.  Times Herald-Record
October 17, 2006
Albany — An
appraisal that the City of Middletown relied on to sell off a property two years ago was so riddled with faults that
questions later arose over whether Robert Buckles " (Appraisal Institute, Associate Member) prepared an appraisal with a
predetermined value," a state investigator testified yesterday. In the same hearing, an expert appraiser testified that the
appraisal of the 14-acre property on Ruth Court used outdated property sales for comparisons.
Robert G. Buckles, Associate MAI
President
Countrywide Appraisal Services
P.O. Box 1118
Monticello, NY 12701
547 Broadway
(845) 794-2834x300
Fax: (914) 794-2846
Bob@countywideappraisal.com
Accepts Fee Assignments (more info)

19. LETTER FROM THE (UTAH Appraisal
Institute-MAI) PRESIDENT, 2006
I am proud to be a member of this professional organization.  I
had been ignorant to the extreme member benefits until I
began serving on the Board in 1999.   I want to inform you of the advantages regarding Appraisal Institute membership.  A few
of the programs and promotions by National which benefit members include.
4.  Lobbying Efforts
National has a full time staff of three attorneys in Washington, DC working on our behalf to keep up with federal legislation
and other initiatives that impact our profession and to act as a liaison to the local chapters in keeping up with state issues.  
We also have our own local lobbyist who works with Utah appraisers.  
Lobbying is one of those behind the scenes
activities
that many of us may not give much thought to however, the efforts of these people affect us individually and our
profession in ways that many of us are unaware.

20. Mr. Levy describes in his succinct essay the stranglehold that the banking cartel has on the realty valuation industry. Th
e
Appraisal Institute has an affiliate appraisal management company called REAS (Real Estate Appraisal Services) which
operates http://www.aidirectconnection.com. REAS is owned by Charter One Financial Corporation, the 25th largest bank
holding company in the USA, home based in Ohio. Royal Bank of Scotland is in merger and acquisition negotiations with
Charter One to become the 7th largest bank holding company in the USA, after the Bank One and JPChase Manhattan
merger as the second largest banking conglomerate. This conflict of interest doesn't get any more blatant than these facts. (
AI Direct Connection®      AI Direct Connection
AI Direct Connection provides the real estate marketplace with an efficient and cost-effective means to acquire quality
appraisal services. Appraisers can sign up, free of charge, to be included on the fee panel, specifying their services or
specialties.
AI Direct Connection then sells those services directly to the client. FIND OUT MORE HERE)

21. Excuse me—you're standing on my bonus … reflections on credit culture
RMA Journal, The,  May, 2005  by David H. Wesley
Banks have been widely lauded for their performance through the most recent downturn. Pressure for revenue growth has
invariably led to deal creep--pricing concessions, then deal structure concessions (covenant, guarantees, advance rates,
etc.), and then the rationalization that otherwise marginal credits are acceptable. It takes both courage and conviction to
remain disciplined and diligent to not trade off your credit risk principles. Looking back at performance during the last
downturn, some things were done particularly well, while others could have been done better.
Following are a few of the excuses that we all have heard (or have used) in the credit approval process, along with their
subliminal translations.
We have an MAI appraisal that supports the request.
Translation: The appraisal is a
made-as-instructed real estate valuation.

22. Posted by
Appraiser Central on October 18, 2006 at 20:00:21:
In Reply to: ai posted by Cochise on October 18, 2006 at 18:29:29:
The Appraisal Institute has had "conflict of issue", issues for many years now. Especially with Charter One Bank and also
Washington Mutual (WAMU). The Appraisal Institute doesn't seem to care. This being "in bed" with Charter One and
Washington Mutual was a big part of
our boycott of the Appraisal Institute a few years ago when the AI decided to create
their own AVM (AIRD) with Charter One Bank and WAMU as their biggest backers.
Also, the AI can't even advertise without lying. They have been running radio ads here in Massachusetts, where they tout the
lie that "Appraisal Institute Members are better qualified and have more education" than non-Appraisal Institute members. I
can't wait till the first homeowner here gets an AI member with only 2 years experience; and the job is way
over their head.
The sooner we as an industry get rid of Appraisal Management companies, and designation "tea clubs", the better off we will
be.

Posted by Appraisal Police on July 06, 2006 at 22:12:55:
FBI:
Appraisal Fraud Serious (Commercial Appraiser, sic); Calls for Industry to Team up with Law Enforcement
July 2006
In a June 14 speech, a Federal Bureau of Investigation specialist said that appraisal fraud has become the most serious form
of mortgage fraud. In a presentation to an American Bankers Association conference in Orlando, Ronda Helig, supervisory
special agent for the FBI, said that appraisal fraud accounts for 80 percent of all the mortgage fraud that is reported and that
the average loss per occurrence of appraisal fraud exceeds $60,000. Based on these figures, Helig called for a cooperative
response between industry and law enforcement.

Successfully using
forensic appraisals (appraiser) in the tax courts requires that the property owner understand the special
issues involved with these types of appraisals, as they differ significantly from typical real estate appraisals.  The differences
cover the gamut of legal issues from communication between the client and the appraiser through the legal admissibility of
appraisal methodology.

Kacha v. Allstate Ins. Co. (06/26/06 - No.
D046961)
A judgment confirming an insurance commercial appraisal award involving property damaged by a wildfire is reversed
pursuant to an insured's claims that: 1) the award exceeded the appraisers' jurisdiction, and the trial court erred by finding he
waived the jurisdictional rule; and 2) the court erred by finding he was precluded from challenging the appraisal award
because he took possession of, but did not negotiate, checks the insurer provided him to cover the award.

Los Angeles City, Residential and Commercial Appraisal Coverage Areas: 90001, 90002, 90003, 90004, 90005, 90006, 90007, 90008, 90009,
90010, 90011, 90012, 90013, 90014, 90015, 90016, 90017, 90018, 90019, 90020, 90021, 90022, 90023, 90024, 90025, 90026, 90027, 90028,
90029, 90030, 90031, 90032, 90033, 90034, 90035, 90036, 90037, 90038, 90039, 90040, 90041, 90042, 90043, 90044, 90045, 90046, 90047,
90048, 90049, 90050, 90051, 90052, 90053, 90054, 90055, 90056, 90057, 90058, 90059, 90060, 90061, 90062, 90063, 90064, 90065, 90066,
90067, 90068, 90069, 90070, 90071, 90072, 90073, 90074, 90075, 90076, 90077, 90078, 90079, 90080, 90081, 90082, 90083, 90084, 90086,
90087, 90088, 90089, 90091, 90093, 90094, 90095, 90096, 90097, 90099, 90101, 90102, 90103, 90174, 90185, 90189, 91331, 91335

Los Angeles County, Residential Appraiser, Real Estate Appraiser, and Commercial Appraisal / Appraiser Coverage Areas: 93510
Agoura 91301
Agua Dulce, Saugus 91350
Airport Worldway (City of LA) 90009
Alhambra 91801, 91803
Altadena 91001
Arcadia 91006  ,91007
ARCO Towers (City of LA) 90071
Arleta (City of LA) 91331
Artesia 90680
Athens 90044
Atwater Village (City of LA) 90039
Avalon 90704
Azusa 91702
Baldwin Hills 90008
Baldwin Park 91706
Bassett 91746
Bel Air Estates (City of LA) 90049. 90077
Bell 90201
Bell Gardens 90201
Bellflower 90706
Beverly Glen (City of LA) 90077, 90210
Beverly Hills 90210 - 90212
Biola Univ. (La Mirada) 90639
Boyle Heights (City of LA) 90033
Bradbury 91010
Brentwood (City of LA) 90049
Burbank 91501 - 91502 / 91506 / 91523
Burbank (Glenoaks) 91504
Burbank (Woodbury Univ.) 91510
Cal State Dominguez Hills (Carson) 90747
Cal State Long Beach (Long Beach) 90840
Cal State Northridge (City of LA) 91330
Cal Tech (Pasadena) 91125 - 91126
Calabasas 91302/91372
Canoga Park (City of LA) 91303 - 91304
Canyon Country (Santa Clarita) 91351
Carson 90745 - 90746
Carson (CS Univ. Dominguez Hills) 90747
Carson/Long Beach 90810
Castaic 91310 / 91384
Castellemare (City of LA) 90272
Century City (City of LA) 90067
Cerritos 90701
Chatsworth (City of LA) 91311
Cheviot Hills (City of LA) 90064
Chinatown (City of LA) 90012
City Terrace 90063
Civic Center (City of LA) 90012
Claremont 91711
Commerce, City of 90040
Compton 90220 - 90222
Country Club Park (City of LA) 90019
Covina 91722 - 91724
Crenshaw (City of LA) 90008
Cudahy 90201
Culver City 90230 / 90232
Cypress Park (City of LA) 90065
Diamond Bar 91765 / 91789
Dominguez Hills, Cal State (Carson) 90747
Downey 90240 - 90242
Downtown Los Angeles (City of LA) 90013 - 90015 / 90017 / 90021 / 90029
Eagle Rock (City of LA) 90041
East Los Angeles 90022
East Los Angeles (City of LA) 90023
East Rancho Dominguez 90221
Echo Park (City of LA) 90026
Edwards AFB 93523
El Monte 91731 - 91732
El Segundo 90245
El Sereno (City of LA) 90032
Elizabeth Lake 93532
Encino (City of LA) 91316 / 91436
Federal Bldg (Lawndale) 90261
Firestone Boy Scout Res. 92621
Florence 90001
Gardena 90247 - 90249
Glassell Park (City of LA) 90065
Glendale 91201 - 91208
Glendale (La Crescenta) 91214
Glendale (Tropico) 91204 - 91205
Glendale (Verdugo City) 91046
Glendora 91740 - 91741
Glenoaks (Burbank) 91504
Granada Hills (City of LA) 91344
Griffith Park (City of LA) 90027
Hacienda Heights (La Puente) 91745
Hancock Park (City of LA) 90004 / 90020
Harbor City (City of LA) 90710
Hawaiian Gardens 90716
Hawthorne (Holly Park) 90250
Hermosa Beach 90254
Hi Vista 93535
Hidden Hills 91302
Highland Park (City of LA) 90042
Hollywood (City of LA) 90028 / 90038 / 90068
Huntington Park 90255
Hyde Park (City of LA) 90043
Industry, City of 91744 / 91746 / 91789
Inglewood 90301 - 90303, 90305
Irwindale 91706
Jefferson Park (City of LA) 90018
Juniper Hills 93543
Koreatown (City of LA) 90005
La Canada-Flintridge 91011
La Crescenta (Glendale) 91214
La Habra Heights 90631
La Mirada 90638
La Mirada (Biola Univ.) 90639
La Puente 91744/91746
La Puente (Hacienda Heights) 91745
La Puente (Rowland Heights) 91748
La Verne 91750
Ladera Heights (City of LA) 90056
Lake Hughes 93532
Lake Los Angeles 93550 / 93591
Lake View Terrace (City of LA) 91342
Lakewood 90712 - 90713 / 90715
Lancaster 93534 - 93536
Lawndale 90260
Lawndale (Federal Bldg) 90261
LAX Area (City of LA) 90045
Leimert Park (City of LA) 90008
Lennox 90304
Littlerock 93543
Llano 93544
Lomita 90717
Long Beach 90802 - 90808, 90813 - 90815, 90822
Long Beach (Cal State Long Beach) 90840
Long Beach (McDonnell Douglas) 90846
Long Beach (North Long Beach) 90805
Long Beach (World Trade Ctr) 90831 - 90832
AIr Port Worldway 90009
ARCO Towers 90071
Arleta 91331
Atwater Village 90039
Bel Air Estates 90049 / 90077
Beverly Glen 90077 / 90210
Boyle Heights 90033
Brentwood 90049
Cal State Northridge 91330
Canoga Park 91303 / 91304
Century City 90067
Chatsworth 91311
Cheviot Hills 90064
Chinatown 90012
Civic Center 90012
Country Club Park 90019
Crenshaw 90008
Cypress Park 90065
Downtown Los Angeles 90013 - 90015 / 90017 / 90021 / 90029
Eagle Rock 90041
East Los Angeles 90023
Echo Park 90026
El Sereno 90032
Encino 91316 / 91436
Glassell Park 90065
Granada Hills 91344
Griffith Park 90027
Hancock Park 90004 / 90020
Harbor City 90710
Highland Park 90042
Hollywood 90028 / 90038 / 90068
Hyde Park  90043
Jefferson Prk 90018
Los Angeles (Koreatown) 90005
Los Angeles (Ladera Heights) 90056
Lake View Terrace) 91342
Los Angeles (LAX Area) 90045
Los Angeles (Leimert Park) 90008
Los Angeles (Los Feliz) 90027
Los Angeles (Mar Vista) 90066
Los Angeles (Mid City) 90019
Los Angeles (Mission Hills) 91345
Los Angeles (Montecito Heights) 90031
Los Angeles (Mount Olympus) 90046
Los Angeles (Mt. Washington) 90065
Los Angeles (North Hills) 91343
North Hollywood) 91601 - 91602 / 91604 - 91607
Northridge) 91324-91325
Pacific Highlands) 90272
Pacific Palisades) 90272
Pacoima) 91331
Los Angeles (Palms) 90034
Panorama City) 91402
Los Angeles (Park La Brea) 90036
Los Angeles (Pico Heights) 90006
Playa del Rey) 90293
Los Angeles (Porter Ranch) 91326
Los Angeles (Rancho Park) 90064
Reseda) 91335
San Pedro) 90731-90732
Los Angeles (Sawtelle) 90025
Los Angeles (Shadow Hills) 91040
Los Angeles (Sherman Oaks) 91403 / 91423
Los Angeles (Silverlake) 90026
Los Angeles (South Central) 90001 / 90003 /90007 / 90011 / 90037 / 90047 / 90061 - 90062
Los Angeles (Studio City) 91604
Los Angeles (Sun Valley) 91352
Los Angeles (Sunland) 91040
Los Angeles (Sylmar) 91342
Los Angeles (Tarzana) 91356
Los Angeles (Terminal Island) 90731
Los Angeles (Toluca Lake) 91602
Los Angeles (Tujunga) 91042
Los Angeles (USC) 90089
Los Angeles (Valley Village) 91607
Van Nuys) 91401- 91403 / 91405 - 91406 / 91411 / 91423
Los Angeles (Venice) 90291
Los Angeles (Watts) 90002/90059
Los Angeles (West Adams) 90016
Los Angeles (West Beverly) 90048
Los Angeles (West Fairfax) 90035
Los Angeles (West Hills) 91307
Los Angeles (West Los Angeles) 90025
Los Angeles (Westchester) 90045
Los Angeles (Westlake) 90057
Los Angeles (Westwood) 90024
Wilmington) 90744
Los Angeles (Wilshire Blvd) 90010
Los Angeles (Winnetka) 91306
Los Angeles (Woodland Hills) 91364 / 91367
Los Feliz (City of LA) 90027
Los Nietos 90606
Lynwood 90262
Malibu 90265
Manhattan Beach 90266
Mar Vista (City of LA) 90066
Marina del Rey 90292
Maywood 90270
McDonnell Douglas (Long Beach) 90846
Mid City (City of LA) 90019
Mission Hills (City of LA) 91345
Monrovia 91016
Montebello 90640
Montecito Heights (City of LA) 90031
Monterey Hills (City of LA) 90032
Monterey Park 91754-91756
Montrose 91020
Mount Olympus (City of LA) 90046
Mount Wilson 91023
Mt. Washington (City of LA) 90065
Newhall (Santa Clarita) 91321
North Hills (City of LA) 91343
North Hollywood (City of LA) 91601 - 91602 / 91604 - 91607
North Long Beach (Long Beach) 90805
Northridge (City of LA) 91324 - 91325
Northridge, Cal State Univ. (City of LA) 91330
Norwalk 90650
Oak Park 91301
Pacific Highlands (City of LA) 90272
Pacific Palisades (City of LA) 90272
Pacoima (City of LA) 91331
Palmdale 93550 - 93552 / 93591
Palms (City of LA) 90034
Palos Verdes Estates 90274
Panorama City (City of LA) 91402
Paramount 90723
Park La Brea (City of LA) 90036
Pasadena 91101 / 91103 - 91107
Pasadena (Cal Tech) 91125 - 91126
Pearblossom 93553
Phillips Ranch 91766
Pico Heights (City of LA) 90006
Pico Rivera 90660
Playa del Rey (City of LA) 90293
Playa Vista (City of LA) 90094
Pomona 91766-91768
Porter Ranch (City of LA) 91326
Quartz Hill 93536
Rancho Dominguez 90220
Rancho Palos Verdes 90275 / 90717 / 90732
Rancho Park (City of LA) 90064
Redondo Beach 90277 - 90278
Reseda (City of LA) 91335
Rolling Hills 90274
Rolling Hills Estates 90274
Rosemead 91770
Rosewood 90222
Rowland Heights (La Puente) 91748
San Dimas 91773
San Fernando 91340
San Gabriel 91775 - 91776
San Marino 91108
San Pedro (City of LA) 90731 - 90733
Santa Clarita (Canyon Country) 91351
Santa Clarita (Newhall) 91321
Santa Clarita (Valencia) 91354 - 91355
Santa Fe Springs 90670
Santa Monica 90401 - 90405
Saugus, Agua Dulce 91350
Sawtelle (City of LA) 90025
Shadow Hills (City of LA) 91040
Sherman Oaks (City of LA) 91403 / 9 1423
Sierra Madre 91024
Signal Hill 90755
Silverlake (City of LA) 90026
South Central (City of LA) 90001 / 90003 / 90007 / 90011 / 90037 / 90047 / 90061 - 90062
South El Monte 91733
South Gate 90280
South Pasadena 91030
South Whittier 90605
Stevenson Ranch 91381
Studio City (City of LA) 91604
Sun Valley (City of LA) 91352
Sunland (City of LA) 91040
Sylmar (City of LA) 91342
Tarzana (City of LA) 91356
Temple City 91780
Terminal Island (City of LA) 90731
Toluca Lake (City of LA) 91602
Topanga 90290
Torrance 90501-90506 / 90277 - 90278
Tropico (Glendale) 91204 - 91205
Tujunga (City of LA) 91042
Universal City 91608
USC (City of LA) 90089
VA Hospital (Sawtelle) 90073
Valencia (Santa Clarita) 91354 - 91355
Valinda 91744
Valley Village (City of LA) 91607
Valyermo 93563
Van Nuys (City of LA) 91401 - 91403 / 91405  - 91406 / 91411 / 91423
Venice (City of LA) 90291
Verdugo City (Glendale) 91046
Vernon 90058
View Park 90043
Walnut 91789
Walnut Park 90255
Watts (City of LA) 90002  /90059
West Adams (City of LA) 90016
West Beverly (City of LA) 90048
West Covina 91790-91793
West Fairfax (City of LA) 90035
West Hills (City of LA) 91307
West Hollywood 90069
West Los Angeles (City of LA) 90025
Westchester (City of LA) 90045
Westlake (City of LA) 90057
Westlake Village 91361 - 91362
Westwood (City of LA) 90024
Whittier 90601 - 90605
Whittier (Whittier College) 90608
Whittier College (Whittier) 90608
Willowbrook 90059 / 90222
Wilmington (City of LA) 90744
Wilshire Blvd (City of LA) 90010
Windsor Hills 90043
Winnetka (City of LA) 91306
Woodbury Univ. (Burbank) 91510
Woodland Hills (City of LA) 91364 / 91367
World Trade Center (Long Beach) 90831 - 90832

Please call for Orange County, Ventura County, Riverside County, San Bernardino, County Coverage Areas

2006
Appraisal Information Needs Survey Results
During August 2006, the NATIONAL ASSOCIATION OF REALTORS®’ (NAR) Marketing Research Department invited 86,777
appraiser members and recipients of the Appraisal Section of the weekly NAR ListServe message to participate in an online
survey. Findings reflected in this report were collected from responses received between August 10th and 25th, 2006.
The goal of the survey was to understand how Appraiser members conduct their business, obtain appraisal industry
information, and make decisions on their appraisal education and designations.

Curtis - Rosenthal, Inc.

Forensic Appraiser Los Angeles, Forensic Appraisal,

Citizens posed many questions about the land exchange, especially pertaining to the values of the properties. According to the appraiser retained
by Carma,
the developer, she was asked specifically not to appraise development value. In the section entitled "Assumptions and Limiting
Conditions," article 12 states: "Parcels A and B have been appraised on a further hypothetical condition which is the same zoning and land use
approvals as pertain to Parcels C through G. This condition was requested by the appraisal client to assist in facilitating the exchange of Parcels
A and B with Parcels C through G." (
MAI-Made As Instructed). The appraisal, as stated by MAI appraiser Burton S. Lee, is faulty, based on the
premise that no zoning change would happen to the park that Carma would be receiving, thus conclusions show "equal" value ONLY if all parcels
of land remain in a vacant land state. Burton, in his report concludes his assessment of Carma's appraisal, stating, "Therefore, in my opinion, the
relative market values presented in the Bonnie D. Roerig, MAI appraisal report dated March 31, 2006 have been effected by the assumption that
all the parcels be valued as parkland and this assumption might have altered the results of that appraisal so as to create an exchange that may
not constitute a "fair market value" exchange."

"What is an MAI appraisal?
There is actually no such thing as an MAI appraisal. There is an organization call the Appraisal Institute that offers classes and created a
designation called an MAI, which stands for Member of the Appraisal Institute. Prior to the savings and loan crisis there was limited regulation in
the appraisal profession and, as such, a membership to a professional organization was a means for banks to insure an appraiser was
generally competent. In 1989 it became federal law that all appraisers meet new federal standards that are now enforced by each state. The new
laws required education, a work product audit, examination, and continuing education similar to the existing appraisal organizations.  At this time
it also became unlawful for banks to require appraisers to be members of any organization, and or MAI or FREA appraisals, because these
organizations were not regulated by any government agency and tended to lack membership diversity.
What is FIRREA*?
The savings and loan crisis led to significant legal reform in the late 1980s.  The reform enacted by congress is referred to as the Financial
Institution Reform and Recovery Act (FIRREA).    FIRREA essentially took over the regulation of the appraisal industry and gave it to the individual
states based on new terms and requirements.  FIRREA left the private appraisal organizations somewhat displaced.  The Appraisal Institute (the
MAI group) almost went bankrupt and nearly shut its doors, then finally merged with several other appraisal groups and continues to be a leading
provider of appraisal education.    
Appraisers licensed post-FIRREA had to meet stricter terms to obtain licenses with the state.  Chandos Pacific Appraisal is a post-FIRREA firm
that obtained its educational course work through the Appraisal Institute and is a member of the Foundation of Real Estate Appraisers.  
Older firms tend to be pre-FIRREA firms and the members typically advertise and promote their appraisal organization membership.  Note that
none of the private appraisal groups govern appraisers, only the state in which the appraiser practices has the right to issue appraiser licenses
and oversees all appraisal activity.  As you can see, over a decade ago, before state laws became uniform in requiring all appraisers to be
audited, trained and tested, private memberships were the only means a bank had of establishing if an appraiser might be qualified.   Times
change and so have lending regulations.   If your bank stipulates your appraiser must be a member of the Appraisal Institute, the Foundation of
Real Estate Appraisers, or any other appraisal group, it is actually in violation of FIRREA and federal banking regulations."
Unknown Author
THE CALM BEFORE THE STORM!
Appraisal Institute's - commercial appraiser (
mai) Top Dog (John Ross, CEO) Jumps Ship
Ross: "After nine years with the organization,
I feel that the timing is good for me to explore other opportunities."  

Ross: "
I’d like to see the organization (the appraisal institute) strengthen its ties with the academic community.
The profession needs to focus now on developing more theoretically based tools and on things like
behavioral finance and
economics – which is ultimately what dictates the operation of markets. I’ve often stated that the mark of any profession is in
the development of new theory, and in my estimation
there have been few, if any, advances in this regard in the
appraisal profession for the last 25 years or more
. I’d like to see the Appraisal Institute more involved in some way in
such thought creation."

Are predetermined Appraisal ADJUSTMENTS Legal/Ethical?  Please see attached Predetermined adjustments
provided by
Curtis - Rosenthal, Inc. (MAI Appraiser Los Angeles) LLC. an MAI Firm.  You be the judge and get
back with us or call them for this years update.  If your property was acquired by the Los Angeles World Airport
(LAWA) you had better read this!

"Posted by Appraisal Police on July 10, 2006 at 00:33:42:
In Reply to: Predetermined Adjustments posted by Cochise on July 09, 2006 at 19:26:17:
Fannie Mae Single Family Selling Guide
Part XI: Property and Appraisal Guidelines
XI, Chapter 4: Reviewing the Appraisal Report (11/08/04)
XI, 406: Sales Comparison Approach to Value (01/31/06)
XI, 406.03: Adjustments to Comparable Sales (06/30/02)
Each comparable sale that is used in the sales comparison approach to value must be analyzed for differences and
similarities between it and the property that is being appraised. The appraiser must base his or her analysis and any
adjustments to the comparable sales on the market data for the particular neighborhood and for competing locat1ons—not
on predetermined or assumed dollar adjustments. If an appraiser's adjustments to comparable sales (or the reconciliation of
the comparable sales) are based on unsupported assumptions or personal opinion that cannot be supported by market data,
poor quality appraisals that could have a
discriminatory effect may result."

<Los Angeles and Southern California,  Real Estate Appraiser Los Angeles, Forensic Appraiser, Forensic Appraisal, Commercial appraisal,
Curtis-Rosenthal Inc.  real estate appraiser & consultant, Expert Witness, Real Estate consultant, LA, Southern California, commercial appraiser,
real estate appraiser,  condemnation appraiser,   
commercial appraiser, ca commercial appraiser, Real Estate Appraiser, Real Estate Appraiser
Los Angeles, Commercial Appraisal Services,>

Services: Eminent Domain appraiser appraisal, The Harris Company REA/C
(commercial appraiser, inverse condemnation appraiser,  expert witness real estate, real property, commercial appraiser, commercial real
estate, Los Angeles, Estate , Probate, Trust, Tax, MAI Appraiser, L.A., real estate  land los angeles, commercial real estate inspectors, real estate
brokers, los angeles, real estate appraiser,  Los Angeles,  llp, mark to marker, Land Appraiser, Special Purpose Property Appraiser, Office
Property, Commercial appraisal, Restaurant, Apartment, VANDEMA, Southern California Commercial Real Estate, Residential Appraiser,
Apartment Appraiser,California Appraiser,PMI Removal, Certified General, Tax , Multi Family , Bank appraisal institute,Apraiser, comp check, value
check)

Dateline:
INTERNATIONAL RIGHT OF WAY ASSOCIATION (IRWA)
Chapter 1 –Los Angeles County
2006 Annual Fall Seminar

Tuesday, October 24, 2006
Quiet Cannon, Montebello, CA

The Los Angeles World Airport's (LAWA) Director of Economic Development admits that the Manchester Square “Voluntary Purchase” Program is
a part of LAWA’s Master Plan.   This statement was supported by one staff member who presented maps indicating that this area has been set
aside for parking.  

This Freudian slip of the tough could have major legal consequences since under the agencies “voluntary purchase program” homeowners were
not paid Fair Market Value which is “the highest price” required by State Law in condemnation cases.   

For years Vivian Howell, an IRWA and LAWA mucky muck, has stated that we are not going to pay them “the highest price” because this is a
voluntary program.  

This in addition to using unethical appraisal practices like using unqualified appraisal trainees, consultants colluding on values, standardized
comparable adjustments, and in some cases- appraising of property based upon it's existing use, rather than it's “highest and best use.”   It is
estimated that these combined, secret practices, have cost property owners millions.

The Director also stated that he foresaw a number of inverse condemnation cases being filed against the agency, by current residents, because
the LAWA project has left their neighborhood in a shambles.

If you are a homeowner, property, or seller of property to LAWA in this area we strongly suggest that you contact a qualified Real Estate
Condemnation Attorney, or Relocation Expert, and demand a full hearing into these issues.  


Cochise
Commercial Appraiser



Posted by Cochise
Commercial Appraiser
It appears that discrimination is something that the Appraisal Institute knows a lot about.  In fact they use to be called T
he
American Institute of Real Estate Appraisers
until they were sued, for discrimination, by the Federal Government.  They then
changed their name to the Appraisal Institute, same pig, different shade of lipstick.
 (The MAI Commercial Appraiser
Standard,  
Larry A Mc Coy, MAI-commercial appraiser)  Application Local governments are not immune from proscriptions
of Title VIII, and may be sued. United States v Black Jack ... provides for actions against states and political subdivisions as
well as actions against private transactions and practices; comprehensive purpose of Fair Housing Act)... would be diluted if it
were to apply only to actions of private individuals and entities. ... applies to appraisers of real estate. United States v
American Institute of Real Estate Appraisers etc. (1977, ND Ill) 442 F Supp 1072, 24 FR Serv 2d 880, app dismd (CA7 Ill) 590
F2d 242, 48 ALR Fed 657. 42 USCS ? 3604(a, b, d)’

How many errors can you find in this appraisal prepared by Jeffrey T. Nagasaki, MAI of Lea Associates.  They also perform
similar low quality work for the Los Angeles Unified School District and the County of Los Angeles. (Condemnation Appraiser,
Inverse Condemnation Appraiser)

HOW TO CONDUCT A MAI (MADE AS INSTRUCTED?) APPRAISAL
Quote from David Rosenthal, MAI
Here are some tips from seasoned practitioner, David Rosenthal, MAI (Managing Director of Curtis-Rosenthal, LLC) that can
help make your next appraisal experience easy and productive. "4.  
Supply all of your market data, up front. Nothing says
that your appraiser has to independently find all of the relevant market information. Data is data, so make the job easier and
share any market data that you have already
developed. The appraiser will decide which data to use and how to best use it.
Give your appraiser a running start with the benefit of your advance research."

The  Great Texas Bank Job
"The FIRREA Cover Up - FDIC / RTC   The South West Scam
The  Whitewaters  &  Castle Grandes  of   Texas  and   ALL  Across  America
The S&L Gold Rush - The Lack Of Public Accounting

If the bank’s board of directors were the ones doing the looting, however, they readily hired a pliant appraiser to cook up
whatever appraisal value they wanted.  Behind every fraudulent loan was a fraudulent appraisal.  It is nearly impossible for
appraisers to render independent appraisals if the people hiring them do not want one.  When I was in public accounting,
auditors joked that MAI stood for “Made As Instructed.”  The commercial appraisals were largely worthless because they were
not independently rendered.  It is so obvious that it should be beneath mention, but that situation still exists.  

Even if the bank could not find a bona fide buyer, it was supposed to write down the property to fair market value on the
books, taking the loss on its financial statements.  The S&L industry, however, was in dire straits.  Reporting a commercial
loss on the deal would not look good, and might get bank regulators, auditors and others asking questions.  Here is what the
bank did to hide its loss.  Another developer showed up, with similar delusions of grandeur and an equally pitiful pipedream,
except his was twice as large.  He wanted a $6 million construction loan.  The bank hired an appraiser to concoct the
appraisal for the original empty strip mall that valued it at $5 million, even higher than the original pie-in-the-sky price tag that
the original developer dreamed up.  
The MAI commercial appraiser would appraise it for whatever number the bank
wanted.
 The bank would tell the second developer that it would loan him the $6 million if he would buy the empty strip mall
for $5 million.  The bank would loan the developer the money to make the down payment on the empty strip mall, and the first
two years of loan payments.  The developer never got his hands on that money, but the bank held it in escrow, taking the
money out of the commercial account to make the down payment and loan payments.

When the bank made the $6 million commercial construction loan to the second developer, and played internal accounting
games to concoct the “sale” of the first strip mall, instead of recording the $1 million loss, it recorded a $2 million gain, had a
new performing loan on the first strip mall, and the loan was guaranteed to have loan payments made on it for two years.  
Here is a chart to show how the commercial bank hid the loss.

Original loan
$3,000,000

Second MAI  and sale price to second developer  $5,000,000

Gain on phony sale to second developer
$2,000,000

So, with some fancy games and pliant appraisers, the commercial bank recorded a $2 million gain on its deal making.  The
reality, however, was that $9 million had gone out the door, the bank was paying 15% interest to depositors, and no money
was coming in, not even interest payments. "

KEEP UP THE GOOD WORK (MAI-Made as Instructed Appraisers? Commercial Appraisers?)
1. The Defendants Improperly Used Bargain Sale Transactions to Conceal the True Financial Condition of Defendant Church
Extension  30. From at least 1996 to at least April 2002, the Defendants and others engaged in a scheme to conceal
Defendant Church Extension's mounting financial difficulties in order to, among other things, entice investors to invest and/or
reinvest. Specifically, the Defendants and others improperly used bargain sale transactions to generate false paper income
by recognizing the difference between the price paid by Defendant Church Extension and/or United Management and falsely
inflated appraisal values as non-cash contributions. Some of appraisers used in connection with the bargain sale transactions
were
Members of the Appraisal Institute, i.e., MAI appraisals. The appraisals used by the Defendants and others were false
for several reasons, including, but not limited to: a) the use of overstated net-operating income figures, which formed the
basis of some appraisals; b) the failure to account for the limited real-estate market of some of the properties, due to federal
regulations and private covenants; and c) the failure to account for potential environmental hazards on some of the real-
estate properties. Significantly, because inflated appraisal values were used, the price paid by Defendants Church Extension
and/or United Management was a much closer reflection of the actual value of the properties than the inflated appraisal
values. Thus, as a result of using falsely inflated appraisal values, the Defendants and others artificially increased the amount
of non-cash contributions that Defendants Church Extension and/or United Management recognized as income.

2. Plaintiff notified Defendant on May 25, 2004 that it was exercising its option to purchase the
property. Being in agreement that Plaintiff had the right to purchase the property, the parties agreed
to determine the purchase price by each engaging an appraiser who was a member of the
Appraisal Institute (MAI), with
the purchase price to be the average of the two appraisals. Plaintiff engaged an appraiser from Atlanta, Georgia, while
Defendant retained an appraiser from Nashville,
Tennessee. The two appraisals were significantly different. The appraised value determined by
Plaintiff’s appraiser was $1,470,000. The value as determined by Defendant’s appraiser was
$2,375,000.

3. Therefore, on the basis of our review of the record, we conclude that the court properly determined that the plaintiff had
met its burden of showing that the city's assessor (jOHN lEARY,
mai) had overvalued the subject property and that such a
finding was legally and logically correct and supported by the evidence before the court.

4. The town’s appraiser, Christopher K. Kerin (Kerin)
MAI, determined that the fair market value
of the subject property on the October 1, 1995 grand list was as follows:
Land $4,825,000
Site improvements 1,000,000
Main building 9,175,000
__________
$15,000,000

Our determination (trier of fact) of value of the subject property, as of October 1, 1995 is as
follows:
Land $4,825,000
Site improvements 1,000,000
Building 5,239,819
___________
Total $11,064,819

5. "As a residential review appraiser with 14 years experience, I see appraiser fraud weekly," says a northeastern appraiser
who says he is working with the FBI.  At the same time I was turning in these 17 fraud reports, I was warned by a prominent
Appraisal Institute member not to submit those of a certain ethnic race appraiser because he was well politically entrenched
and it could backfire on me," notes the source. "Also, at the same time, I confided in a local Member of the
Appraisal Institute
(MAI)
about the appraisal fraud both in my local area and inside his local AI residential membership. This MAI later
told me to be careful because I could die by the same sword I was wielding (a professional death, not physical death)."

6.  False Appraisals
I'm looking at an
MAI (commercial appraiser) appraisal right now from one of the most respected appraisers in our area that I
know has been influenced in several ways (the appraisal has been influenced, not him). The representations from the owner
of the property concerning zoning, development, potential purchase offers and comparable sales have boosted the value.

7.  Inclosed is a bound hardcopy of the complaint I previously filed with the
North Carolina Appraisal Board against
John K. Weaver, MAI, (a.k.a. "Jack"
Weaver, commercial appraiser) who is the Deputy Director and Chief Investigator of the North
Carolina Appraisal Board (NCAB). (This complaint text is also available
online at www.boardwatch.org/htmfiles/complainttext1.htm .) Copies of Mr.
Weaver's complete research files are also inclosed in "bound report format,"
as are copies of four appraisal reports on the subject property in question
at the NCAB hearing in question.
The NCAB sat on the complaint for many months and then participated in a scam
to "sweep the complaint under the rug." Following in this letter is text
extracted from a post I made 11/16/2001 to an online discussion group for
real estate appraisers across the country (www.AppraisersForum.com) which
explains and documents the response of the NCAB. (The full post can be found
at http://appraisersforum.com/bbs/index.cgi?read=20707 .) Also included is a
printout of a website page from www.BoardWatch.org (via the "FAQ" hyperlink
from the homepage) which provides a very brief overview of the whole
situation. As the NCAB shirked its responsibilities in the matter, I am now
asking the Appraisal Institute to investigate the behavior of this Institute
member.

(Commercial Real Estate Appraiser, Los Angeles,  Commercial Appraisal Services, and Commercial Appraiser)

8. The behavior of this
Member of the Appraisal Institute (MAI) is unacceptable if not outrageous. I've heard no one suggest
otherwise. I dislike putting it this bluntly, but here it is in a nutshell: For the sake of preserving or regaining integrity in North
Carolina appraising, it has become necessary to put the Appraisal Institute to the test. The questions are these:
Is the Appraisal Institute part of the problem in North Carolina?
Is the AI an enabler?

9.   If memory serves me correctly, it was members of the
Appraisal Institute (the self proclaimed leader of appraisal
association, designated with the "prestigious" MAI that were co-conspirators of the S&L crisis.
Industry organizations are concerned with one thing: their own survival. With appraisal organizations competing for members,
they are more focused on their own self preservation than on the betterment of the industry as a whole.

Originally posted by RStrahan@Jan 28 2005, 03:28 PM
The various trade associations are impotent. The members of the Appraisal Foundation only count as one vote, so they are
regularly outnumbered by the members of the very industry that promotes appraisal fraud.
I believe that a merging of organizations is a necessity. However, I explicitely exclud the AI. The AI has regularly supported
AVMs and stood against the interests of the general practice appraiser, so it is not longer a viable force for change in the
industry. In fact, they have often sided with the lending industry against the rest of the appraisal organizations.

Again, Roger hits it on the nose. An organzation that is purported to be in existance for the appraiser. Today, likely 99% of all
residential appraisals are communicated to the lender and/or clients via email or the internet. We most commonly transmit
these in .pdf format since Adobe Acrobat Reader is readily available to all at no cost. Several lenders want appraisals
delivered in what is called AI (Appraisal Institute) ready format. This data format completely rearranges the data structure of
the report. The data is thought to be disseminated into their AVM database. No one but the insiders can prove this, however
this format also does something else which is very disturbing. The appraiser's digital signature is removed from the report
itself and transmitted as a separate .jpg file. This comprimises the security of the report allowing the possibility of data to be
changed. It is a violation of USPAP for an appraiser to knowingly comprimise the security of their digital signatures/reports.

Who would have thought? To comply with the Appraisal Institute brand of appraisal delivery, one has to violate USPAP.

10.  Is this accepting an appraisal with a predetermined value?
Hello Curtis,
A member of Appraisal Data Connection is searching for market data.
Diane Gilbert, MAI, (Appraisal Institute, commercial real estate appraiser) is appraising a proposed 60,000 square foot upscale
residential mansion near Orlando, Florida (yes, that's 60,000 square
feet!)  
The property is located along the popular Butler Chain of Lakes and will
have numerous atypical amenities including an indoor and outdoor pool, a
bowling alley, indoor skating rink, a huge ballroom and colonnade, media
rooms, 2-story library, 10 bedroom suites, and staff quarters.
Diane is looking for sales of similar huge top quality residential
properties anywhere in the U.S.

Sales in excess of $15 million are preferred, (MAI COMMERCIAL APPRAISAL) and sales along waterfront or some type
of resort location would be a plus.

Her best contact method is by email.  If you can help or know someone who can, please email Diane directly at:

Bayvalue@tampabay.rr.
com

11. DATE: 08/01/2006 11:56:00 AM
The malleability of (real estate) appraisals has been a fact of life since for as long as I can remember, and that is probably
longer than most readers have been alive. Down around the bankruptcy court, they used to say that "MAI" stands for "Made
as Instructed."
Posted by: Buce | August 1, 2006 09:01 PM
http://www.prospect.org/deanbaker/2006/07/housing_appraisals_the_account.html

12. April 12, 2006
Working With (Business Valuation) Expert Witnesses
In real estate, the Appraisal Institute awards a designation, MAI, Member, Appraisal Institute. For a variety of reasons, MAI
came to have the derogatory meaning, "made as instructed." Being an "mai" appraiser, whether in real estate, business
appraisal, or any other field of expertise is a prescription for a short-term career. http://merceronvalue.
com/archives/2006/04/working_with_bu.html

13.  David, from the St. Louis Chapter of the Appraisal Institute, just told me last week that at a recent seminar, an instructor
from Guess Who told the group attending the seminar in Typical Delphi Scam and Cognitive Dissonance fashion, that
appraisers would go out of business if they refused to perform AVMs for the banking cartel and the GSEs. Sending the
Appraisal Institute $950 Bucks in MAI, SRPA, SRA professional dues for 2005 is going to be a really tough decision. If I can
find a real job that pays, they won't get my money anymore. Besides being a State Certified General Realty Appraiser is just
as good as having Made As Instructed behind my name -- because that's what the public perceives me to be anyway now -- a
member of the world's oldest profession.
http://www.financialsense.com/editorials/reality/2004/4R1217.html

14.  Gesoff v. IIC Industries Inc. et al., in the Delaware Chancery Court decided May 18,
2006
The parent then offered its appraisals, but the Court saw them as flawed and smacking of
made-as-instructed justification after the fact. In particular, its appraiser did adjust downwards a
management projection without any justification, failed to take into account appreciated realty,
and used a small company premium without regard to the fact that subsidiaries were, in effect,
large businesses in their respective emerging markets

15. SAN FRANCISCO BAY RESTORATION PLAN
Commercial real estate Appraiser (Charles D. Bailey,
MAI) disciplined; taxpayers paid millions
MANY ERRORS ALLEGED IN PURCHASE OF CARGILL PONDS FOR $100 MILLION IN 2003
By Paul Rogers
Mercury News
Susanna Frohman / Mercury News archives In 2002, then-Gov. Gray Davis and Sen. Dianne Feinstein, above, announce a
$100 million deal for the Cargill salt ponds. Complaint against appraiser Charles Bailey (
MAI) (PDF) The settlement
agreement (PDF)

The appraiser (Charles D. Bailey,
MAI) whose report helped set the $100 million price taxpayers paid in the 2003 Cargill salt
ponds deal has been disciplined on allegations that he made numerous errors and violated federal standards when he set a
value for the property.

The state attorney general's office brought a misconduct complaint against Charles Bailey (MAI) of Mill Valley this summer,
alleging 24 significant errors in his appraisal of Cargill lands for the federal government in December 2000.

Bailey, who denied any wrongdoing, agreed Sept. 27 to a censure of his license, known as a ``public reproval.'' He also will
pay $4,000 to cover the costs of the state investigation. Although he will keep his license and can continue working, any
disciplinary action on an appraiser's record is very harmful to his career, said Deputy Attorney General Char Sachson.

News of the settlement heightened concerns that taxpayers may have overpaid by millions of dollars when government
agencies bought 16,500 acres of Cargill salt evaporation ponds from Hayward to Alviso to Redwood City in March 2003. It
also brought calls Tuesday from political leaders for less secrecy in public land deals.

16.  IS THIS
MAI APPRAISER INCOMPETENCY?
Anyone know any sources of gross sales per store data for specific chains? I am appraising three proposed facilities that are
being leased with a level base minimum rent but actual rent is the greater of that minimum rent or 10% of gross sales. I
believe if I use the minimum I could be undervaluing, but am not comfortable using the projections provided without at least
seeing something to compare them to. They are slightly above the minimum rent threshhold.
Paul S. Ness, MAI (commercial appraiser)
www.nessassociates.net

Mr. Ness, MAI was apparently so embarrassed by his own lack of knowledge that he has removed his request from the
AppraisalForum.com website.   The sometimes humorous responses are still there however.

We also received this email from site owner (Wayne McKerley) who suggest that we inappropriately used his copyrighted
material.

Paul Ness posted this on AppraisersForum.com.  You copied it without my permission or without Paul's permission to your web
site.  You also imply that Paul is incompetent by adding the heading "IS THIS MAI APPRAISER INCOMPETENCY?". Paul is
aware of this also and brought it to my attention.

I ask that you remove this from your website and refrain from using our copyrighted material.

Wayne McKerley AppraisersForum.com (Professional Commercial Appraisal Forum?)

17.  
Appraisal Talk Message Board Re: MIA Appraiser San Diego, CA
[ Follow Ups ] [ Post Followup ] [ Appraisal Talk ] [ FAQ ]
--------------------------------------------------------------------------------
Posted by mitchell's mother on October 12, 2006 at 15:53:53:
In Reply to: MIA Appraiser San Diego, CA posted by mitchell on October 12, 2006 at 14:44:37:
I need a state licensed or certified appraiser. I am more interested in experience and education than any phony
designations, that try to cover up their lack of experience and education.

18.  Times Herald-Record
October 17, 2006
Albany — A real estate
appraisal that the City of Middletown relied on to sell off a property two years ago was so riddled with
faults that questions later arose over whether Robert Buckles " (Appraisal Institute, Associate Member) prepared an appraisal
with a predetermined value," a state investigator testified yesterday. In the same hearing, an expert appraiser testified that the
appraisal of the 14-acre property on Ruth Court used outdated property sales for comparisons.
Robert G. Buckles, Associate MAI
President
Countrywide Appraisal Services
P.O. Box 1118
Monticello, NY 12701
547 Broadway
(845) 794-2834x300
Fax: (914) 794-2846
Bob@countywideappraisal.com
Accepts (real estate appraisal) Fee Assignments (more info)

19. LETTER FROM THE (UTAH Appraisal
Institute-MAI) PRESIDENT, 2006
I am proud to be a member of this professional organization.  I
had been ignorant to the extreme member benefits until I
began serving on the Board in 1999.   I want to inform you of the advantages regarding Appraisal Institute membership.  A few
of the programs and promotions by National which benefit members include.
4.  Lobbying Efforts
National has a full time staff of three attorneys in Washington, DC working on our behalf to keep up with federal legislation
and other initiatives that impact our profession and to act as a liaison to the local chapters in keeping up with state issues.  
We also have our own local lobbyist who works with Utah appraisers.  
Lobbying is one of those behind the scenes
activities
that many of us may not give much thought to however, the efforts of these people affect us individually and our
profession in ways that many of us are unaware.

20. Mr. Levy describes in his succinct essay the stranglehold that the banking cartel has on the realty valuation industry. Th
e
Appraisal Institute has an affiliate appraisal management company called REAS (Real Estate Appraisal Services) which
operates http://www.aidirectconnection.com. REAS is owned by Charter One Financial Corporation, the 25th largest bank
holding company in the USA, home based in Ohio. Royal Bank of Scotland is in merger and acquisition negotiations with
Charter One to become the 7th largest bank holding company in the USA, after the Bank One and JPChase Manhattan
merger as the second largest banking conglomerate. This conflict of interest doesn't get any more blatant than these facts. (
AI Direct Connection®      AI Direct Connection
AI Direct Connection provides the real estate marketplace with an efficient and cost-effective means to acquire quality
appraisal services. Appraisers can sign up, free of charge, to be included on the fee panel, specifying their services or
specialties.
AI Direct Connection then sells those services directly to the client. FIND OUT MORE HERE)

21. Excuse me—you're standing on my bonus … reflections on credit culture
RMA Journal, The,  May, 2005  by David H. Wesley
Banks have been widely lauded for their performance through the most recent downturn. Pressure for revenue growth has
invariably led to deal creep--pricing concessions, then deal structure concessions (covenant, guarantees, advance rates,
etc.), and then the rationalization that otherwise marginal credits are acceptable. It takes both courage and conviction to
remain disciplined and diligent to not trade off your credit risk principles. Looking back at performance during the last
downturn, some things were done particularly well, while others could have been done better.
Following are a few of the excuses that we all have heard (or have used) in the credit approval process, along with their
subliminal translations.
We have an MAI appraisal that supports the request.
Translation: The appraisal is a
made-as-instructed real estate valuation.

22. Posted by
Appraiser Central on October 18, 2006 at 20:00:21:
In Reply to: ai posted by Cochise on October 18, 2006 at 18:29:29:
The Appraisal Institute has had "conflict of issue", issues for many years now. Especially with Charter One Bank and also
Washington Mutual (WAMU). The Appraisal Institute doesn't seem to care. This being "in bed" with Charter One and
Washington Mutual was a big part of
our boycott of the Appraisal Institute a few years ago when the AI decided to create
their own AVM (AIRD) with Charter One Bank and WAMU as their biggest backers.
Also, the AI can't even advertise without lying. They have been running radio ads here in Massachusetts, where they tout the
lie that "Appraisal Institute Members are better qualified and have more education" than non-Appraisal Institute members. I
can't wait till the first homeowner here gets an AI member with only 2 years experience; and the job is way over their head.
The sooner we as an industry get rid of Appraisal Management companies, and designation "tea clubs", the better off we will
be.

Posted by Appraisal Police on July 06, 2006 at 22:12:55:
FBI:
Appraisal Fraud Serious (Commercial Appraiser, sic); Calls for Industry to Team up with Law Enforcement
July 2006
In a June 14 speech, a Federal Bureau of Investigation specialist said that appraisal fraud has become the most serious form
of mortgage fraud. In a presentation to an American Bankers Association conference in Orlando, Ronda Helig, supervisory
special agent for the FBI, said that appraisal fraud accounts for 80 percent of all the mortgage fraud that is reported and that
the average loss per occurrence of appraisal fraud exceeds $60,000. Based on these figures, Helig called for a cooperative
response between industry and law enforcement.

Successfully using
forensic appraisals (appraiser) in the tax courts requires that the property owner understand the special
issues involved with these types of appraisals, as they differ significantly from typical real estate appraisals.  The differences
cover the gamut of legal issues from communication between the client and the appraiser through the legal admissibility of
appraisal methodology.

Kacha v. Allstate Ins. Co. (06/26/06 - No.
D046961)
A judgment confirming an insurance commercial appraisal award involving property damaged by a wildfire is reversed
pursuant to an insured's claims that: 1) the award exceeded the appraisers' jurisdiction, and the trial court erred by finding he
waived the jurisdictional rule; and 2) the court erred by finding he was precluded from challenging the appraisal award
because he took possession of, but did not negotiate, checks the insurer provided him to cover the award.
SERVICES SPANISH
TRANSLATION:
el valuador comercial, la
evaluación comercial, el
valuador Los Angeles,
valuador de bienes raíces,
experto comercial presencia
bienes raíces, los bienes
raíces,   Real Estate Appraiser
Orange Riverside Ventura San
Bernardino Counties,

valuador comercial, valuador
comercial de bienes raíces,
Valuador Comercial de
bienes raíces Los Angeles,
Propaganda de Valuador,
Valuador Los Angeles,
Valuador de Propiedad,
Valuador de Protocolización,
Valuador de Confianza,
Valuador de Impuesto,
Valuador de MAI, LA, L.UN.,
bienes raíces Los Angeles,
valuador de tierra Los
Angeles, inspectores
comerciales de bienes raíces,
corredores de bienes raíces,
Los Angeles, valuador bienes
raíces, Valuador Los Angeles,
evaluación llp, marca a
evaluación marcador,
Valuador Comercial Tierra,
Valuador Especial Propiedad
Propósito, Valuador
Propiedad Oficina, evaluación
Comercial, El valuador,
Valuador de Apartamento Los
Angeles, Valuador Comercial
de bienes raíces Los
Angeles, VANDEMA, California
Meridional Valuador
Comercial de bienes raíces,
Valuador Residencial,
Valuador de Apartamento, la
Evaluación Comercial,
Valuador de California,
Valuador de Eliminación de
PMI, Liberta la Evaluación,
Valuador General Certificado,
Valuador de Impuesto, Multi
Valuador de Familia, Valuador
Bancario, el instituto de la
evaluación, testigo experto, se
atasca los servicios de la
valoración de jarra, los bienes
raíces, los bienes raíces, el
valuador de bienes raíces,
legaliza a valuador, valuador
de impuesto de propiedad,
valuador de apartamento,
solo valuador de la familia,
valuador bueno, en casa
valuador,
93510

AREAS SERVED:
Agoura 91301
Agua Dulce, Saugus 91350
Airport Worldway (City of LA)
90009
Alhambra 91801/91803
Altadena 91001
Arcadia 91006-91007
ARCO Towers (City of LA)
90071
Arleta (City of LA) 91331
Artesia 90680
Athens 90044
Atwater Village (City of LA)
90039
Avalon 90704
Azusa 91702
Baldwin Hills 90008
Baldwin Park 91706
Bassett 91746
Bel Air Estates (City of LA)
90049/90077
Bell 90201
Bell Gardens 90201
Bellflower 90706
Beverly Glen (City of LA)
90077/90210
Beverly Hills 90210-90212
Biola Univ. (La Mirada) 90639
Boyle Heights (City of LA)
90033
Bradbury 91010
Brentwood (City of LA) 90049
Burbank
91501-91502/91506/91523
Burbank (Glenoaks) 91504
Burbank (Woodbury Univ.)
91510
Cal State Dominguez Hills
(Carson) 90747
Cal State Long Beach (Long
Beach) 90840
Cal State Northridge (City of
LA) 91330
Cal Tech (Pasadena)
91125-91126
Calabasas 91302/91372
Canoga Park (City of LA)
91303-91304
Canyon Country (Santa
Clarita) 91351
Carson 90745-90746
Carson (CS Univ. Dominguez
Hills) 90747
Carson/Long Beach 90810
Castaic 91310/91384
Castellemare (City of LA)
90272
Century City (City of LA) 90067
Cerritos 90701
Chatsworth (City of LA) 91311
Cheviot Hills (City of LA) 90064
Chinatown (City of LA) 90012
City Terrace 90063
Civic Center (City of LA) 90012
Claremont 91711
Commerce, City of 90040
Compton 90220-90222
Country Club Park (City of LA)
90019
Covina 91722-91724
Crenshaw (City of LA) 90008
Cudahy 90201
Culver City 90230/90232
Cypress Park (City of LA)
90065
Diamond Bar 91765/91789
Dominguez Hills, Cal State
(Carson) 90747
Downey 90240-90242
Downtown Los Angeles (City of LA)
90013-90015/90017/90021/90029
Eagle Rock (City of LA) 90041
East Los Angeles 90022
East Los Angeles (City of LA)
90023
East Rancho Dominguez
90221
Echo Park (City of LA) 90026
Edwards AFB 93523
El Monte 91731-91732
El Segundo 90245
El Sereno (City of LA) 90032
Elizabeth Lake 93532
Encino (City of LA)
91316/91436
Federal Bldg (Lawndale)
90261
Firestone Boy Scout Res.
92621
Florence 90001
Gardena 90247-90249
Glassell Park (City of LA)
90065
Glendale 91201-91208
Glendale (La Crescenta)
91214
Glendale (Tropico)
91204-91205
Glendale (Verdugo City) 91046
Glendora 91740-91741
Glenoaks (Burbank) 91504
Granada Hills (City of LA)
91344
Griffith Park (City of LA) 90027
Hacienda Heights (La Puente)
91745
Hancock Park (City of LA)
90004/90020
Harbor City (City of LA) 90710
Hawaiian Gardens 90716
Hawthorne (Holly Park) 90250
Hermosa Beach 90254
Hi Vista 93535
Hidden Hills 91302
Highland Park (City of LA)
90042
Hollywood (City of LA)
90028/90038/90068
Huntington Park 90255
Hyde Park (City of LA) 90043
Industry, City of
91744/91746/91789
Inglewood 90301-90303,
90305
Irwindale 91706
Jefferson Park (City of LA)
90018
Juniper Hills 93543
Koreatown (City of LA) 90005
La Canada-Flintridge 91011
La Crescenta (Glendale)
91214
La Habra Heights 90631
La Mirada 90638
La Mirada (Biola Univ.) 90639
La Puente 91744/91746
La Puente (Hacienda Heights)
91745
La Puente (Rowland Heights)
91748
La Verne 91750
Ladera Heights (City of LA)
90056
Lake Hughes 93532
Lake Los Angeles
93550/93591
Lake View Terrace (City of LA)
91342
Lakewood
90712-90713/90715
Lancaster 93534-93536
Lawndale 90260
Lawndale (Federal Bldg)
90261
LAX Area (City of LA) 90045
Leimert Park (City of LA) 90008
Lennox 90304
Littlerock 93543
Llano 93544
Lomita 90717
Long Beach 90802-90808,
90813-90815, 90822
Long Beach (Cal State Long
Beach) 90840
Long Beach (McDonnell
Douglas) 90846
Long Beach (North Long
Beach) 90805
Long Beach (World Trade Ctr)
90831-90832
Los Angeles (Airport
Worldway) 90009
Los Angeles (ARCO Towers)
90071
Los Angeles (Arleta) 91331
Los Angeles (Atwater Village)
90039
Los Angeles (Bel Air Estates)
90049/90077
Los Angeles (Beverly Glen)
90077/90210
Los Angeles (Boyle Heights)
90033
Los Angeles (Brentwood)
90049
Los Angeles (Cal State
Northridge) 91330
Los Angeles (Canoga Park)
91303/91304
Los Angeles (Century City)
90067
Los Angeles (Chatsworth)
91311
Los Angeles (Cheviot Hills)
90064
Los Angeles (Chinatown)
90012
Los Angeles (Civic Center)
90012
Los Angeles (Country Club
Park) 90019
Los Angeles (Crenshaw)
90008
Los Angeles (Cypress Park)
90065
Los Angeles (Downtown)
90013-90015/90017/90021/90029
Los Angeles (Eagle Rock)
90041
Los Angeles (East Los
Angeles) 90023
Los Angeles (Echo Park)
90026
Los Angeles (El Sereno)
90032
Los Angeles (Encino)
91316/91436
Los Angeles (Glassell Park)
90065
Los Angeles (Granada Hills)
91344
Los Angeles (Griffith Park)
90027
Los Angeles (Hancock Park)
90004/90020
Los Angeles (Harbor City)
90710
Los Angeles (Highland Park)
90042
Los Angeles (Hollywood)
90028/90038/90068
Los Angeles (Hyde Park)
90043
Los Angeles (Jefferson Park)
90018
Los Angeles (Koreatown)
90005
Los Angeles (Ladera Heights)
90056
Los Angeles (Lake View
Terrace) 91342
Los Angeles (LAX Area) 90045
Los Angeles (Leimert Park)
90008
Los Angeles (Los Feliz) 90027
Los Angeles (Mar Vista) 90066
Los Angeles (Mid City) 90019
Los Angeles (Mission Hills)
91345
Los Angeles (Montecito
Heights) 90031
Los Angeles (Mount Olympus)
90046
Los Angeles (Mt. Washington)
90065
Los Angeles (North Hills)
91343
Los Angeles (North Hollywood)
91601-91602/91604-91607
Los Angeles (Northridge)
91324-91325
Los Angeles (Pacific
Highlands) 90272
Los Angeles (Pacific
Palisades) 90272
Los Angeles (Pacoima) 91331
Los Angeles (Palms) 90034
Los Angeles (Panorama City)
91402
Los Angeles (Park La Brea)
90036
Los Angeles (Pico Heights)
90006
Los Angeles (Playa del Rey)
90293
Los Angeles (Porter Ranch)
91326
Los Angeles (Rancho Park)
90064
Los Angeles (Reseda) 91335
Los Angeles (San Pedro)
90731-90732
Los Angeles (Sawtelle) 90025
Los Angeles (Shadow Hills)
91040
Los Angeles (Sherman Oaks)
91403/91423
Los Angeles (Silverlake)
90026
Los Angeles (South Central)
90001/90003/90007/90011/90037/90047/90061-90062
Los Angeles (Studio City)
91604
Los Angeles (Sun Valley)
91352
Los Angeles (Sunland) 91040
Los Angeles (Sylmar) 91342
Los Angeles (Tarzana) 91356
Los Angeles (Terminal Island)
90731
Los Angeles (Toluca Lake)
91602
Los Angeles (Tujunga) 91042
Los Angeles (USC) 90089
Los Angeles (Valley Village)
91607
Los Angeles (Van Nuys)
91401-91403/91405-91406/91411/91423
Los Angeles (Venice) 90291
Los Angeles (Watts)
90002/90059
Los Angeles (West Adams)
90016
Los Angeles (West Beverly)
90048
Los Angeles (West Fairfax)
90035
Los Angeles (West Hills)
91307
Los Angeles (West Los
Angeles) 90025
Los Angeles (Westchester)
90045
Los Angeles (Westlake) 90057
Los Angeles (Westwood)
90024
Los Angeles (Wilmington)
90744
Los Angeles (Wilshire Blvd)
90010
Los Angeles (Winnetka) 91306
Los Angeles (Woodland Hills)
91364/91367
Los Feliz (City of LA) 90027
Los Nietos 90606
Lynwood 90262
Malibu 90265
Manhattan Beach 90266
Mar Vista (City of LA) 90066
Marina del Rey 90292
Maywood 90270
McDonnell Douglas (Long
Beach) 90846
Mid City (City of LA) 90019
Mission Hills (City of LA)
91345
Monrovia 91016
Montebello 90640
Montecito Heights (City of LA)
90031
Monterey Hills (City of LA)
90032
Monterey Park 91754-91756
Montrose 91020
Mount Olympus (City of LA)
90046
Mount Wilson 91023
Mt. Washington (City of LA)
90065
Newhall (Santa Clarita) 91321
North Hills (City of LA) 91343
North Hollywood (City of LA)
91601-91602/91604-91607
North Long Beach (Long
Beach) 90805
Northridge (City of LA)
91324-91325
Northridge, Cal State Univ.
(City of LA) 91330
Norwalk 90650
Oak Park 91301
Pacific Highlands (City of LA)
90272
Pacific Palisades (City of LA)
90272
Pacoima (City of LA) 91331
Palmdale 93550-93552/93591
Palms (City of LA) 90034
Palos Verdes Estates 90274
Panorama City (City of LA)
91402
Paramount 90723
Park La Brea (City of LA)
90036
Pasadena
91101/91103-91107
Pasadena (Cal Tech)
91125-91126
Pearblossom 93553
Phillips Ranch 91766
Pico Heights (City of LA) 90006
Pico Rivera 90660
Playa del Rey (City of LA)
90293
Playa Vista (City of LA) 90094
Pomona 91766-91768
Porter Ranch (City of LA)
91326
Quartz Hill 93536
Rancho Dominguez 90220
Rancho Palos Verdes
90275/90717/90732
Rancho Park (City of LA)
90064
Redondo Beach 90277-90278
Reseda (City of LA) 91335
Rolling Hills 90274
Rolling Hills Estates 90274
Rosemead 91770
Rosewood 90222
Rowland Heights (La Puente)
91748
San Dimas 91773
San Fernando 91340
San Gabriel 91775-91776
San Marino 91108
San Pedro (City of LA)
90731-90733
Santa Clarita (Canyon
Country) 91351
Santa Clarita (Newhall) 91321
Santa Clarita (Valencia)
91354-91355
Santa Fe Springs 90670
Santa Monica 90401-90405
Saugus, Agua Dulce 91350
Sawtelle (City of LA) 90025
Shadow Hills (City of LA)
91040
Sherman Oaks (City of LA)
91403/91423
Sierra Madre 91024
Signal Hill 90755
Silverlake (City of LA) 90026
South Central (City of LA)
90001/90003/90007/90011/90037/90047/90061-90062
South El Monte 91733
South Gate 90280
South Pasadena 91030
South Whittier 90605
Stevenson Ranch 91381
Studio City (City of LA) 91604
Sun Valley (City of LA) 91352
Sunland (City of LA) 91040
Sylmar (City of LA) 91342
Tarzana (City of LA) 91356
Temple City 91780
Terminal Island (City of LA)
90731
Toluca Lake (City of LA) 91602
Topanga 90290
Torrance
90501-90506/90277-90278
Tropico (Glendale)
91204-91205
Tujunga (City of LA) 91042
Universal City 91608
USC (City of LA) 90089
VA Hospital (Sawtelle) 90073
Valencia (Santa Clarita)
91354-91355
Valinda 91744
Valley Village (City of LA)
91607
Valyermo 93563
Van Nuys (City of LA)
91401-91403/91405-91406/91411/91423
Venice (LA) 90291
Verdugo City (Glendale) 91046
Vernon 90058
View Park 90043
Walnut 91789
Walnut Park 90255
Watts ( LA) 90002/90059
West Adams (LA) 90016
West Beverly ( LA) 90048
West Covina 91790-91793
West Fairfax ( LA) 90035
West Hills (LA) 91307
West Hollywood 90069
West Los Angeles (LA) 90025
Westchester ( LA) 90045
Westlake ( LA) 90057
Westlake Village 91361-91362
Westwood (LA) 90024
Whittier 90601-90605
Whittier (Whittier College)
90608
Whittier College (Whittier)
90608
Willowbrook 90059/90222
Wilmington (LA) 90744
Wilshire Blvd ( LA) 90010
Windsor Hills 90043
Winnetka (of LA) 91306
Woodbury Univ. (Burbank)
91510
Woodland Hills ( LA)
91364/91367
World Trade Center (Long
Beach) 90831-90832
San Fernando Valley,
Inland Empire, OC, San
Gabriel Valley,
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MAI Appraiser, Appraisal Institute - MAI Designation, Commercial Appraiser Los Angeles LA,Southern California CA., California MAI Appraiser, Real Estate Appraiser Los Angeles, Commercial Appraisal, Appraisal ServicesReal Estate Consultasnt, Commercial Appraiser Los Angeles (LA) and Real Estate Consultant, Los Angeles, California CA, Commercial Appraisal

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Appraisal Institute - MAI Designation, what does MAI mean as a title for an appraiser, Commercial Appraiser Los Angeles LA,Southern California CA., California MAI Appraiser, Real Estate Appraiser Los Angeles, Commercial Appraisal, Appraisal ServicesReal Estate Consultasnt, Appraisal Institute, Residential Appraiser, Curtis-Rosenthal Inc., Commercial Appraiser and Real Estate Consultant, Los Angeles, California Appraisal Institute - MAI Designation, Commercial Appraiser Los Angeles LA,Southern California CA., California MAI Appraiser, Real Estate Appraiser Los Angeles, Commercial Appraisal, Appraisal ServicesReal Estate Consultasnt, Commercial Appraisal Los Angeles, Commercial appraisal la, comercial appraiser, Expert Witness, Real Estate consultant, LA, L.A., Condemnation Appraiser, Inverse Condemnation Appraiser, Southern Californiacommercial appraiser,appraiser los angeles, real estate appraiser,commercial expert witness real estate, real property,commercial appraiser, commercial real estate, Los Angeles, Estate , Probate, Trust, Tax, MAI Appraiser, LA, L.A., real estate  land los angeles, commercial real estate inspectors, real estate brokers, los angeles, real estate appraiser,  Los Angeles,  llp, mark to marker, Land Appraiser, Special Purpose Property Appraiser, Office Property, Commercial appraisal, Restaurant, Apartment, VANDEMA, Southern California Commercial Real Estate, Residential Appraiser, Apartment Appraiser,California Appraiser,PMI Removal, Certified General, Tax , Multi Family , Bank appraisal institute, Apraiser, Comercial Apraiser
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Los Angeles City, Residential and Commercial
Appraisal Coverage Areas: 90001, 90002, 90003,
90004, 90005,
90006, 90007, 90008, 90009, 90010, 90011,
90012, 90013, 90014, 90015, 90016, 90017,
90018, 90019, 90020,
90021, 90022, 90023, 90024, 90025, 90026,
90027, 90028, 90029, 90030, 90031, 90032,
90033, 90034, 90035,
90036, 90037, 90038, 90039, 90040, 90041,
90042, 90043, 90044, 90045, 90046, 90047,
90048, 90049, 90050,
90051, 90052, 90053, 90054, 90055, 90056,
90057, 90058, 90059, 90060, 90061, 90062,
90063, 90064, 90065,
90066, 90067, 90068, 90069, 90070, 90071,
90072, 90073, 90074, 90075, 90076, 90077,
90078, 90079, 90080,
90081, 90082, 90083, 90084, 90086, 90087,
90088, 90089, 90091, 90093, 90094, 90095,
90096, 90097, 90099,
90101, 90102, 90103, 90174, 90185, 90189,
91331, 91335

Los Angeles County, Residential Appraiser, Real
Estate Appraiser, and Commercial Appraisal /
Appraiser
Coverage Areas: 93510
Agoura 91301
Agua Dulce, Saugus 91350
Airport Worldway (City of LA) 90009
Alhambra 91801, 91803
Altadena 91001
Arcadia 91006  ,91007
ARCO Towers (City of LA) 90071
Arleta (City of LA) 91331
Artesia 90680
Athens 90044
Atwater Village (City of LA) 90039
Avalon 90704
Azusa 91702
Baldwin Hills 90008
Baldwin Park 91706
Bassett 91746
Bel Air Estates (City of LA) 90049. 90077
Bell 90201
Bell Gardens 90201
Bellflower 90706
Beverly Glen (City of LA) 90077, 90210
Beverly Hills 90210 - 90212
Biola Univ. (La Mirada) 90639
Boyle Heights (City of LA) 90033
Bradbury 91010
Brentwood (City of LA) 90049
Burbank 91501 - 91502 / 91506 / 91523
Burbank (Glenoaks) 91504
Burbank (Woodbury Univ.) 91510
Cal State Dominguez Hills (Carson) 90747
Cal State Long Beach (Long Beach) 90840
Cal State Northridge (City of LA) 91330
Cal Tech (Pasadena) 91125 - 91126
Calabasas 91302/91372
Canoga Park (City of LA) 91303 - 91304
Canyon Country (Santa Clarita) 91351
Carson 90745 - 90746
Carson (CS Univ. Dominguez Hills) 90747
Carson/Long Beach 90810
Castaic 91310 / 91384
Castellemare (City of LA) 90272
Century City (City of LA) 90067
Cerritos 90701
Chatsworth (City of LA) 91311
Cheviot Hills (City of LA) 90064
Chinatown (City of LA) 90012
City Terrace 90063
Civic Center (City of LA) 90012
Claremont 91711
Commerce, City of 90040
Compton 90220 - 90222
Country Club Park (City of LA) 90019
Covina 91722 - 91724
Crenshaw (City of LA) 90008
Cudahy 90201
Culver City 90230 / 90232
Cypress Park (City of LA) 90065
Diamond Bar 91765 / 91789
Dominguez Hills, Cal State (Carson) 90747
Downey 90240 - 90242
Downtown Los Angeles (City of LA) 90013 - 90015 /
90017 / 90021 / 90029
Eagle Rock (City of LA) 90041
East Los Angeles 90022
East Los Angeles (City of LA) 90023
East Rancho Dominguez 90221
Echo Park (City of LA) 90026
Edwards AFB 93523
El Monte 91731 - 91732
El Segundo 90245
El Sereno (City of LA) 90032
Elizabeth Lake 93532
Encino (City of LA) 91316 / 91436
Federal Bldg (Lawndale) 90261
Firestone Boy Scout Res. 92621
Florence 90001
Gardena 90247 - 90249
Glassell Park (City of LA) 90065
Glendale 91201 - 91208
Glendale (La Crescenta) 91214
Glendale (Tropico) 91204 - 91205
Glendale (Verdugo City) 91046
Glendora 91740 - 91741
Glenoaks (Burbank) 91504
Granada Hills (City of LA) 91344
Griffith Park (City of LA) 90027
Hacienda Heights (La Puente) 91745
Hancock Park (City of LA) 90004 / 90020
Harbor City (City of LA) 90710
Hawaiian Gardens 90716
Hawthorne (Holly Park) 90250
Hermosa Beach 90254
Hi Vista 93535
Hidden Hills 91302
Highland Park (City of LA) 90042
Hollywood (City of LA) 90028 / 90038 / 90068
Huntington Park 90255
Hyde Park (City of LA) 90043
Industry, City of 91744 / 91746 / 91789
Inglewood 90301 - 90303, 90305
Irwindale 91706
Jefferson Park (City of LA) 90018
Juniper Hills 93543
Koreatown (City of LA) 90005
La Canada-Flintridge 91011
La Crescenta (Glendale) 91214
La Habra Heights 90631
La Mirada 90638
La Mirada (Biola Univ.) 90639
La Puente 91744/91746
La Puente (Hacienda Heights) 91745
La Puente (Rowland Heights) 91748
La Verne 91750
Ladera Heights (City of LA) 90056
Lake Hughes 93532
Lake Los Angeles 93550 / 93591
Lake View Terrace (City of LA) 91342
Lakewood 90712 - 90713 / 90715
Lancaster 93534 - 93536
Lawndale 90260
Lawndale (Federal Bldg) 90261
LAX Area (City of LA) 90045
Leimert Park (City of LA) 90008
Lennox 90304
Littlerock 93543
Llano 93544
Lomita 90717
Long Beach 90802 - 90808, 90813 - 90815, 90822
Long Beach (Cal State Long Beach) 90840
Long Beach (McDonnell Douglas) 90846
Long Beach (North Long Beach) 90805
Long Beach (World Trade Ctr) 90831 - 90832
AIr Port Worldway 90009
ARCO Towers 90071
Arleta 91331
Atwater Village 90039
Bel Air Estates 90049 / 90077
Beverly Glen 90077 / 90210
Boyle Heights 90033
Brentwood 90049
Cal State Northridge 91330
Canoga Park 91303 / 91304
Century City 90067
Chatsworth 91311
Cheviot Hills 90064
Chinatown 90012
Civic Center 90012
Country Club Park 90019
Crenshaw 90008
Cypress Park 90065
Downtown Los Angeles 90013 - 90015 / 90017 /
90021 / 90029
Eagle Rock 90041
East Los Angeles 90023
Echo Park 90026
El Sereno 90032
Encino 91316 / 91436
Glassell Park 90065
Granada Hills 91344
Griffith Park 90027
Hancock Park 90004 / 90020
Harbor City 90710
Highland Park 90042
Hollywood 90028 / 90038 / 90068
Hyde Park  90043
Jefferson Prk 90018
Los Angeles (Koreatown) 90005
Los Angeles (Ladera Heights) 90056
Lake View Terrace) 91342
Los Angeles (LAX Area) 90045
Los Angeles (Leimert Park) 90008
Los Angeles (Los Feliz) 90027
Los Angeles (Mar Vista) 90066
Los Angeles (Mid City) 90019
Los Angeles (Mission Hills) 91345
Los Angeles (Montecito Heights) 90031
Los Angeles (Mount Olympus) 90046
Los Angeles (Mt. Washington) 90065
Los Angeles (North Hills) 91343
North Hollywood) 91601 - 91602 / 91604 - 91607
Northridge) 91324-91325
Pacific Highlands) 90272
Pacific Palisades) 90272
Pacoima) 91331
Los Angeles (Palms) 90034
Panorama City) 91402
Los Angeles (Park La Brea) 90036
Los Angeles (Pico Heights) 90006
Playa del Rey) 90293
Los Angeles (Porter Ranch) 91326
Los Angeles (Rancho Park) 90064
Reseda) 91335
San Pedro) 90731-90732
Los Angeles (Sawtelle) 90025
Los Angeles (Shadow Hills) 91040
Los Angeles (Sherman Oaks) 91403 / 91423
Los Angeles (Silverlake) 90026
Los Angeles (South Central) 90001 / 90003 /90007 /
90011 / 90037 / 90047 / 90061 - 90062
Los Angeles (Studio City) 91604
Los Angeles (Sun Valley) 91352
Los Angeles (Sunland) 91040
Los Angeles (Sylmar) 91342
Los Angeles (Tarzana) 91356
Los Angeles (Terminal Island) 90731
Los Angeles (Toluca Lake) 91602
Los Angeles (Tujunga) 91042
Los Angeles (USC) 90089
Los Angeles (Valley Village) 91607
Van Nuys) 91401- 91403 / 91405 - 91406 / 91411 /
91423
Los Angeles (Venice) 90291
Los Angeles (Watts) 90002/90059
Los Angeles (West Adams) 90016
Los Angeles (West Beverly) 90048
Los Angeles (West Fairfax) 90035
Los Angeles (West Hills) 91307
Los Angeles (West Los Angeles) 90025
Los Angeles (Westchester) 90045
Los Angeles (Westlake) 90057
Los Angeles (Westwood) 90024
Wilmington) 90744
Los Angeles (Wilshire Blvd) 90010
Los Angeles (Winnetka) 91306
Los Angeles (Woodland Hills) 91364 / 91367
Los Feliz (City of LA) 90027
Los Nietos 90606
Lynwood 90262
Malibu 90265
Manhattan Beach 90266
Mar Vista (City of LA) 90066
Marina del Rey 90292
Maywood 90270
McDonnell Douglas (Long Beach) 90846
Mid City (City of LA) 90019
Mission Hills (City of LA) 91345
Monrovia 91016
Montebello 90640
Montecito Heights (City of LA) 90031
Monterey Hills (City of LA) 90032
Monterey Park 91754-91756
Montrose 91020
Mount Olympus (City of LA) 90046
Mount Wilson 91023
Mt. Washington (City of LA) 90065
Newhall (Santa Clarita) 91321
North Hills (City of LA) 91343
North Hollywood (City of LA) 91601 - 91602 / 91604
- 91607
North Long Beach (Long Beach) 90805
Northridge (City of LA) 91324 - 91325
Northridge, Cal State Univ. (City of LA) 91330
Norwalk 90650
Oak Park 91301
Pacific Highlands (City of LA) 90272
Pacific Palisades (City of LA) 90272
Pacoima (City of LA) 91331
Palmdale 93550 - 93552 / 93591
Palms (City of LA) 90034
Palos Verdes Estates 90274
Panorama City (City of LA) 91402
Paramount 90723
Park La Brea (City of LA) 90036
Pasadena 91101 / 91103 - 91107
Pasadena (Cal Tech) 91125 - 91126
Pearblossom 93553
Phillips Ranch 91766
Pico Heights (City of LA) 90006
Pico Rivera 90660
Playa del Rey (City of LA) 90293
Playa Vista (City of LA) 90094
Pomona 91766-91768
Porter Ranch (City of LA) 91326
Quartz Hill 93536
Rancho Dominguez 90220
Rancho Palos Verdes 90275 / 90717 / 90732
Rancho Park (City of LA) 90064
Redondo Beach 90277 - 90278
Reseda (City of LA) 91335
Rolling Hills 90274
Rolling Hills Estates 90274
Rosemead 91770
Rosewood 90222
Rowland Heights (La Puente) 91748
San Dimas 91773
San Fernando 91340
San Gabriel 91775 - 91776
San Marino 91108
San Pedro (City of LA) 90731 - 90733
Santa Clarita (Canyon Country) 91351
Santa Clarita (Newhall) 91321
Santa Clarita (Valencia) 91354 - 91355
Santa Fe Springs 90670
Santa Monica 90401 - 90405
Saugus, Agua Dulce 91350
Sawtelle (City of LA) 90025
Shadow Hills (City of LA) 91040
Sherman Oaks (City of LA) 91403 / 9 1423
Sierra Madre 91024
Signal Hill 90755
Silverlake (LA) 90026
South Central (City of LA) 90001 / 90003 / 90007 /
90011 / 90037 / 90047 / 90061 - 90062
South El Monte 91733
South Gate 90280
South Pasadena 91030
South Whittier 90605
Stevenson Ranch 91381
Studio City (City of LA) 91604
Sun Valley (City of LA) 91352
Sunland (City of LA) 91040
Sylmar (City of LA) 91342
Tarzana (City of LA) 91356
Temple City 91780
Terminal Island (City of LA) 90731
Toluca Lake (City of LA) 91602
Topanga 90290
Torrance 90501-90506 / 90277 - 90278
Tropico (Glendale) 91204 - 91205
Tujunga (City of LA) 91042
Universal City 91608
USC (City of LA) 90089
VA Hospital (Sawtelle) 90073
Valencia (Santa Clarita) 91354 - 91355
Valinda 91744
Valley Village (City of LA) 91607
Valyermo 93563
Van Nuys (City of LA) 91401 - 91403 / 91405  -
91406 / 91411 / 91423
Venice (City of LA) 90291
Verdugo City (Glendale) 91046
Vernon 90058
View Park 90043
Walnut 91789
Walnut Park 90255
Watts (City of LA) 90002  /90059
West Adams (City of LA) 90016
West Beverly (City of LA) 90048
West Covina 91790-91793
West Fairfax (City of LA) 90035
West Hills (City of LA) 91307
West Hollywood 90069
West Los Angeles (City of LA) 90025
Westchester (City of LA) 90045
Westlake (City of LA) 90057
Westlake Village 91361 - 91362
Westwood (City of LA) 90024
Whittier 90601 - 90605
Whittier (Whittier College) 90608
Whittier College (Whittier) 90608
Willowbrook 90059 / 90222
Wilmington (City of LA) 90744
Wilshire Blvd (City of LA) 90010
Windsor Hills 90043
Winnetka (City of LA) 91306
Woodbury Univ. (Burbank) 91510
Woodland Hills (City of LA) 91364 / 91367
World Trade Center (Long Beach) 90831 - 90832
San Fernando Valley, Inland Empire,
OC, San Gabriel Valley,
Please call for Orange County, Ventura County,
Riverside County, San Bernardino, County
Coverage Areas,   Real Estate Appraiser Orange
Riverside Ventura San Bernardino Counties,
Appraisal Institute, MAI
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MAI Appraiser, Commercial Appraiser, Commercial Appraisal Los Angeles (LA) and Southern California (CA)Commercial Appraisal, Litigation Appraiser, Office Appraiser

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