I agree with you. I think it would be beneficial for the buyer to have all this information first-hand before they decide to make an offer for the property. I know that many agents only offer it just before writing an offer. I try 110% to have that at my first presentation — just because if my potential buyer has a question, I can quickly look at the SPD and try to find that answer. Thank you, Desiree. As always, very informative and it is always good to have a memory! Often, the borrowing rate and the Appraisal Contingency Addendum are considered the same and, at their fundamental level, they do the same thing. However, they are not equal and, more importantly, because they are integrated into PAR forms, they work in very different ways. .