The UAD 3.6 Field Cheat Sheet

The four calls that trip up the most reports under the new URAR — on one page. Pin it above your desk. Everything here is a judgment you make; no tool decides it for you.

Quality & Condition — Absolute, Not Relative

15.000 / 15.005

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Rate against national GSE criteria, never the local market. Same property = same rating in any zip code. Q2 in Beverly Hills is Q2 in Buffalo.

Quality = how it was built.

Q1custom/luxury Q2high-end semi-custom Q3above-std tract Q4builder-grade Q5economy Q6basic/minimal

Condition = what shape it's in.

C1brand new C2like-new/remodeled C3well-kept, minor wear C4dated, minor deferred C5obvious deferred C6affects soundness

Quality ≠ Condition — they're independent. A Q4 builder home can be C2 (like-new) or C5 (run-down). Don't let a remodel inflate quality or a tired finish drag it down.

3.6

Rated separately now: exterior (8.022/8.023) + interior (10.034/10.035), then reconciled to overall (15.000/15.005).

Materials — Trust vs. Flag

photo reads

✓ Trust on sight (85–95%)

stucco vs. brick vs. siding · roof type (tile / shingle / metal) · broad flooring (tile vs. wood-look vs. carpet) · drywall

⚠ Always flag & confirm

granite vs. quartz vs. cultured marble (50–70%) · hardwood vs. luxury vinyl plank (40–60%) · stamped concrete vs. pavers (60–80%) · stucco vs. EIFS · ceramic vs. porcelain

3.6

Structured fields (dropdowns): only big components — exterior walls, foundation, roof, windows; interior flooring, walls/ceiling. Material is now separate from condition (no more "Stucco/Avg").

✎

Narrative (no dropdown exists): countertops, cabinets, backsplash, fixtures, lighting. Write the finish detail in your description fields — consistently.

The rule: never state a confusable material as fact in a signed report. Flag it, confirm it on-site, then commit.

The ADDD Cascade — As Is vs. Subject To

26.009

Three actions trigger "subject to": Completion, Inspection, Repair. Any one → Market Value Condition (26.009) can no longer be "As Is."

None → As Is ✓

Completion / Inspection / Repair → Subject To

Only "None" keeps the report As Is. Logging a defect doesn't force subject-to — the Recommended Action you assign to it does.

Subject-to makes the As-Is Overall Condition Rating a required field (1.082 / 26.071) — you now state both.

Separate underwriting flag: "Affects Soundness or Structural Integrity?" (10.059 / 4.103). A Yes here is the call underwriters scan for first.

The Dynamic Form — Sections Appear & Disappear

one URAR

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There's no form number anymore. No 1004, 1073, 2055. One dynamic URAR that reshapes to the property and assignment.

🏡

ADU = Yes → separate Unit Interior section for the ADU (own GLA, condition, materials).

🚪

2–4 units → an interior section appears for each additional unit.

🚗

Vehicle storage ≠ None → Vehicle Storage section (with its own ADDD table) appears.

🏊

Amenities = Yes (pool / spa) → Subject Property Amenities section appears.

🏚️

Outbuilding as real property → an Outbuilding section appears.

✓

The reframe: answer the property's questions honestly and let the form assemble. A section appearing means you reported something that needs reporting.

It's the intern. You're the supervisor.

Every Q, every C, every defect call stays yours. A draft just saves the typing.

See a real report come together live →

AppraisalPilot — UAD 3.6 readiness for solo residential appraisers.
Field IDs reference the URAR Reference Guide v1.4. Always confirm against current GSE specifications.

appraisalpilot.app
uad36ready.com/webinar

Tip: use Print → Save as PDF to keep a copy, or print it for the wall above your desk.