FAQ

UAD 3.6 and URAR questions, by use case

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

22 questions · 7 assignment types

General — UAD 3.6 & the URAR

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

Single-family

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

Condominium

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

Cooperative (Co-op)

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

Manufactured housing (MH)

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

2–4 unit residential income

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

Privacy & data handling

What happens to the file I upload?
It is read into memory, checked, and dropped — we keep no copy of the uploaded file, and it is never sent to the AI model. What we do keep, if you are signed in, is the result: the findings, the subject address, city, state, postal code, opinion of value, order number, effective date and the file's name, so the report is there when you come back. Signed out, nothing is kept at all.
Do you see borrower PII?
In places, yes. An appraisal package contains addresses and other sensitive data. We never keep the file itself, but a saved report stores the subject address and opinion of value, plus every finding's observed value — and because appraisers often name photo files after the borrower, a borrower name can end up inside a stored finding message. The AI QC pass receives a pseudonymised extract that leaves out the street address but does include city, state, postal code and county, and narrative comments are scrubbed only for ID-shaped number runs. Our Privacy Policy sets all of this out field by field.
Are my copilot conversations stored?
If you are signed in, yes — the full thread is saved to your account automatically after each reply, so you can pick it up later, and you can delete any conversation from the copilot. Signed out, nothing is saved.
What does a share link expose?
Only what you choose to share, but read it before you send it: a share link is a public URL, and anyone holding it sees the subject address, city, state, postal code and opinion of value, along with your findings. Observed values, file paths and quoted text are stripped out of the findings first. Links do not expire; you can stop sharing at any time, though turning sharing back on reuses the same link.
Can we run this on-premises?
Yes. The validation engine is self-contained and runs inside your own network, so schema, conformance and compliance checks never leave your infrastructure. The optional AI features still call an external model provider unless you turn them off. Contact us for a self-hosted deployment.