I Firmly believe hybrid appraisals are going to be the cause of the next financial institution meltdown and bailout(if there is one). The inspections are performed by an unqualified individual whereas licensed appraisers in the past have had to have a minimum of 2000 hours of training while inspecting hundreds of homes under the direct supervision of a mentor. If the inspector has no knowledge of what an appraiser is expected to report on, physical, functional, external obsolescence, over-improvements, under-improvement, super adequacy  etc..., how can an appraiser rely on an unknown inspector to provide what is necessary for a  credible appraisal? It's as simple as this, would you like anyone off the street representing you in court or would you want a licensed and seasoned attorney. That is what this comes down to and the public trust has been and should remain with the appraisers versus the banks, mortgage companies and AMC's.  They are simply trying to cut corners and save buck for their benefit at the expense of the public. It appears the no one remembers the shady practices that led to the the last housing crises . This will certainly be remembered as one if adopted as common practice!!