I just heard that some appraisers are listing the algae like substance that grows on the north side of vinyl sided homes as mold without any lab testing. I’m not sure what the banks do about it if anything.
edit: Just found out that the bank is requiring it to be cleaned off.
Maybe the banks have finally learned that many of their vacant homes have issues due to lack of proper inspections and upkeep after they got them. So now they are worried about dirty siding and still don’t care about the condition of the HVAC, electrical, plumbing and the crawlspaces etc. Its all about curb appeal! Make em look good and someone will buy!