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:) They are chattles, therefore they have zero value for mortgage security purposes. I have seen $100k spent on drapes in a suburb with an average house price well under $400k. Oh and neither does the 6 by 2 studs you built the frame with when you owner built the property. Or the...

Of course they do, that is why they are taking notes, it is all in the report to the client (who is the bank). As for the difference between the two, well how much more will the market pay for the primo spec dwelling and can you prove it? Yes there should be a difference, both in resale...