Original operations narrative
UAD 3.6 appraisal: a new map of the house, not a restyled 1004.
For fifteen years GSE residential appraisals were a family of static forms. UAD 3.6 retires that library. One Uniform Residential Appraisal Report expands or collapses from the property and the inspection scope. The commentary addendum is no longer the place risk hides. Discrete fields, rewritten condition language, and photos parked next to the rooms they prove are the product.
After November 2, 2026, most GSE appraisals have to be UAD 3.6. Broad production since January 26, 2026 was the practice window. Most panels used it for a test file, not for real volume. The remaining problem is supply.
One dynamic URAR instead of a form library
A ranch, a condo, a manufactured home, a hybrid assignment, and an exterior-only assignment no longer start as different PDFs. Property characteristics and inspection scope decide which sections appear. The report looks closer to a URLA or Closing Disclosure than to a 2011 1004.
MISMO 3.6 data instead of free-text addenda
Most of the field map is new or restructured. Picklists replace the old abbreviation codes. Commentary still exists, but it lives next to the field it explains. That is the point of the redesign: a reviewer should not have to parse a three-page addendum to find whether the kitchen is fully updated.
ZIP delivery, not a single XML drop
UCDP now expects a package: structured XML, a PDF for humans, and images stored so computer-vision review can run against the same photos an underwriter sees. Archiving, LOS mapping, and AMC vendor connections all have to accept that package.
More property truth, same valuation methods
Sales comparison, cost, and income did not change. What changed is the evidence. Room-level condition, interior versus exterior ratings, ADUs, energy systems, and disaster-mitigation features are first-class data. Condition and quality scales are the same letters, with rewritten definitions and component-level support.
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