UAD1280

WARNING

Official message text · Appendix H-1: UAD Compliance Rules — URAR, v1.5

Provide a photo of each GRM comparable used in the valuation.

Warning — the submission can still come back Successful, but the finding is surfaced to your lender's review team.

What triggers UAD1280

The published rule logic, verbatim:

If @ValuationUseType = "GrossRentMultiplierComparable" and there is no instance of IMAGE with ImageCategoryType = "PropertyPhoto"

• Checked for every Gross Rent Multiplier Comparable in the report.
• Bound to MISMO data point ImageCategoryType at ../VALUATION_ANALYSIS/PROPERTIES/PROPERTY/INSPECTIONS/INSPECTION/IMAGES/IMAGE/

How to fix it

This requirement applies to the XML data itself — the field is delivered in the submission file but is not printed on the form. Your form software populates it from the report data; correct the underlying entry, regenerate the package, and re-check.

UAD1280 is in UADCheck's reference library; automated coverage for it is on the roadmap. The inspection already runs the full GSE schema, the package-integrity layer, and every auto-checkable compliance rule — each report states exactly what was covered.

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Related messages

Source: Appendix H-1: UAD Compliance Rules — URAR, v1.5 (public GSE document). Verified against the published spreadsheet; not affiliated with Fannie Mae or Freddie Mac.