Distressed property valuation leads to reversal on bank’s decision

Pam Ruggeroli
Tucson, Arizona

Pam Ruggeroli uses many RPR® tools in her day to day business but none so valuable as the Market Activity Report. Like many REALTORS® in the Tucson area who work with distressed properties, Pam relies heavily on the level of detail and accuracy she finds in RPRs analytical reports.

The Challenge

Pam was surprised but not defeated when a local bank countered her short sale offer at a price significantly higher than what Pam thought the property was worth. Wanting a fair price for the property, and confident in her ability to present supporting documentation, Pam was certain she could persuade the bank to reverse its decision.

The Outcome

Using RPR®, Pam pinpointed the right comps for the property, easily refined the value of the home, and generated a Market Activity Report to present with her MLS CMA. She submitted the package to the bank’s Value Dispute department and was delighted to learn the institution had reversed its decision based on her recommendations. “I truly believe that if I had just used the CMA out of our MLS, it wouldn’t have carried as much weight without the RPR report to back it up,” Pam says.

“I truly believe that if I had just used the CMA out of our MLS, it wouldn’t have carried as much weight without the RPR report to back it up.”


  • Arizona’s Certified Residential Specialist of the Year for 2012
  • Member of the Tucson Association of REALTORS®’ Board of Directors
  • Serves on the Certified Residential Specialists Board of Directors
  • Regional Vice President for CRS
  • REALTOR® for over 13 years
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