04/23/2026
On Desktop vs. On-Site Inspections
(Reflection from the NAFA ASA training last week in Savannah)
We had a strong debate about desktop appraisals versus full on-site inspections — cowls off, nose cone removed, digging through the hangar in winter conditions and all.
The reality today: Lenders are increasingly pushing for desktop reviews because they offer faster turnaround and significantly lower cost.
However, the experienced voices in the room were clear — there’s still real value in getting hands dirty with a thorough on-site inspection.
You catch hidden corrosion, undocumented repairs, preservation issues, and nuances that paper and photos simply can’t reveal.
In many cases, that extra effort prevents expensive surprises down the road.
As an appraiser, I still believe the best valuations combine both approaches when possible.
When do you insist on a full on-site inspection versus accepting a desktop?
Would love to hear your experiences in the comments. ✈️