Which item should not appear in an appraisal report?

• A. Subjective terminology
• B. Data-driven analysis
• C. Market comparisons
• D. Property condition notes

Answer: (A)

Appraisal reports must be objective and free of bias. Using subjective terminology introduces personal opinions that can skew the reader’s interpretation and may mask discriminatory bias, which violates professional standards and fair housing principles. That’s why this item should not appear in an appraisal report.

Relying on data-driven analysis, market comparisons, and property condition notes keeps the report grounded in verifiable information and observable facts. Data-driven analysis uses factual data and documented methodology; market comparisons provide evidence of value through similar properties; property condition notes describe observed features and conditions in a clear, factual way. These elements support a defensible value conclusion without introducing personal judgments.

Subjective terms—unless clearly supported by objective data—tend to creep into bias and misinterpretation. Keeping language neutral and data-supported helps ensure fairness, transparency, and compliance with professional and fair housing standards.