It is my opinion that the hybrid and desktop appraisal reports are a significant step backwards for consumers when making a purchase or refinance of a single family home. As an appraiser I am required (among other things) to have college education and 3,000 hours of training before I can work on my own and earn a living barely above minimum wage levels. Now companies like Clear Capital and CoreLogic expect me to earn EVEN LESS while putting my livelihood (license) on the line by signing as an appraiser for properties I have not inspected. I cannot and will not rely on some real estate agent trained for an hour or less at an online class to inspect a property, take photos and comment on condition and quality. This is ridiculous! Not everything in the world has to be faster and cheaper, especially when it involves one of the biggest purchases in most consumers life times, their home. An appraiser who earns $600 on a $250,000 home is earning less than a 1/4 of a percent. Compare that to a real estate agent or a tile/escrow fee. It's already peanuts when compared to 15 or 20 years ago. The hybrid appraisal report is a BAD idea. Compare it have allowing your neighbor who is not a doctor to perform open heart surgery on you while watching a video on YouTube. Just say NO to hybrid appraisal reports.