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actual age alley amount applicant applicant's appraisal report appraiser's asbestos Asphalt Shingles average rental basement floor block borrower brick built Capitalization cash ceiling cent CITY RESIDENTIAL DIVISION Class 3 loan condition construction cubic contents cubic foot depreciation door dormers dwelling effective age Eminent Domain ESTATE LESSON Examine expensive farm Federal Housing Federal Housing Administration feet FHA loan figure finish foundation frame front foot full basement gable garage give hazards height improvements income joists Key Lots kind land lending companies lot coverage material monthly rental mortgage Name neighborhood survey obsolescence owner paved pitch plumbing porch present market value property is located Purlin real estate real property rent rental value repair replacement cost residence RESIDENTIAL DIVISION TEST residential property roof shown single family dwelling story structural member stucco supporting taxes termites terra cotta tile bath usually valuation walls width window wood shingles