I'm sorry this issue has to be addressed as I find it a waste of time. I think all licensed appraisers would agree that the "Hybrid appraisal" is nothing more than some lending agencies trying to obtain an "acceptable appraisal" at bargain basement prices and "we needed it day before yesterday" mind set. I think this is reverting back in history several years and the housing industry will have another crash much worse than the previous one if anyone is allowed to appraise without complying with the present regulations. If these Hybrid appraisals become the "appraisal" of the future I suppose we should all quit paying fees, and taking continuing ed, etc, etc, and work as "Hybrid appraisers" rather than the licensed appraisers we are. I personally am thankful that most lenders I conduct business with are professionals that realize the quality of an actual appraisal report and I still have the freedom to reject work from any lender asking for less.