MISMO 3.6 Image Extensions

Unlike earlier versions of MISMO's file format as used in the appraisal profession, MISMO 3.6 includes support for every data point available in Fannie Mae and Freddie Mac's UAD 3.6 dynamic reports, including images.

However, there is not enough information present in the base MISMO 3.6 format to positively associate a given image in the INSPECTIONS container with its associated item in the IMPROVEMENTS or SITE_FEATURES containers. This is important when there is more than one of a given item.

For example, if a MISMO 3.6 package includes three site influences and a photo of each one, there is nothing tying an individual image to its specific site influence, meaning Appraise-It Pro cannot associate the image with its site influence in the editable representation of the dynamic Uniform Residential Appraisal Report.

To address this, SFREP has developed a set of custom elements that can be added to IMAGE containers and attributes that can be added to corresponding items in the IMPROVEMENTS or SITE_FEATURES containers to communicate their relationship. When used properly, this allows Appraise-It Pro to associate INSPECTIONS images with their corresponding items in IMPROVEMENTS and SITE_FEATURES correctly.

IMPROVEMENTS / SITE_FEATURES Container Attributes

Each IMPROVEMENT or SITE_FEATURE with an associated image requires an xlink:label attribute with a unique value; that value should match the value in the element of that associated IMAGE.

For example, you might use <PROPERTY_UNIT xlink:label="UNIT1"> to identify the first living unit of a multi-unit property.

IMAGE Container Elements

There are three custom elements that can be added to an IMAGE container. These are necessary when the image appears in the property's generic INSPECTIONS container.

For example, you might use <ImagePropertyUnit>UNIT1</ImagePropertyUnit> to identify an image that should be associated with the interior of the first living unit of a multi-unit property.

ImageItem: Used to associate an image with a specific repeatable data instance for the following ImageCategoryTypes.

NoncontinuousArea (applies the image to a specific room)
SiteCharacteristic
SiteInfluence
View
Encroachment
ProjectAmenity

ImageImprovement: Used to associate an image with a specific dwelling or outbuilding for the following ImageCategoryTypes.

DwellingFront
DwellingExteriorExhibit
DwellingRear
OutbuildingFrontView
OutbuildingExhibit

ImagePropertyUnit: Used to associate an image with a specific LivingUnit, Adu (dwelling), or Adu (outbuilding) for the following ImageCategoryType.

UnitInteriorExhibit

Sample XML

Below is a condensed example of MISMO 3.6 XML that specifies relationships between INSPECTIONS images and items in IMPROVEMENTS and SITE_FEATURES.

<PROPERTY>
  <!--Other property details.-->
  <IMPROVEMENTS>
    <IMPROVEMENT xlink:label="BLDG1">
      <!--Structure details.-->
      <PROPERTY_UNITS>
        <PROPERTY_UNIT xlink:label="UNIT1">
          <!--Unit details.-->
        </PROPERTY_UNIT>
        <PROPERTY_UNIT xlink:label="UNIT2">
          <!--Unit details.-->
        </PROPERTY_UNIT>
      </PROPERTY_UNITS>
    </IMPROVEMENT>
    <IMPROVEMENT xlink:label="BLDG2">
      <!--Structure details.-->
      <PROPERTY_UNITS>
        <PROPERTY_UNIT xlink:label="UNIT3">
          <!--Unit details.-->
        </PROPERTY_UNIT>
      </PROPERTY_UNITS>
    </IMPROVEMENT>
  <IMPROVEMENTS>
  <!--Other property details.-->
  <INSPECTIONS>
    <INSPECTION>
      <IMAGES>
        <IMAGE>
          <ImageCaptionCommentDescription>This is user entered text 1.</ImageCaptionCommentDescription>
          <ImageCategoryType>UnitInteriorExhibit</ImageCategoryType>
          <ImageFileLocationIdentifier>\\Images\0.jpg</ImageFileLocationIdentifier>
          <MIMETypeIdentifier>image/jpeg</MIMETypeIdentifier>
          <ImagePropertyUnit>UNIT1</ImagePropertyUnit>
        </IMAGE>
        <IMAGE>
          <ImageCaptionCommentDescription>This is user entered text 2</ImageCaptionCommentDescription>
          <ImageCategoryType>UnitInteriorExhibit</ImageCategoryType>
          <ImageDatetime>2019-04-29T18:55:57Z</ImageDatetime>
          <ImageFileLocationIdentifier>\\Images\1.jpg</ImageFileLocationIdentifier>
          <MIMETypeIdentifier>image/jpeg</MIMETypeIdentifier>
          <ImagePropertyUnit>UNIT1</ImagePropertyUnit>
        </IMAGE>
        <IMAGE>
          <ImageCaptionCommentDescription>This is user entered text 3</ImageCaptionCommentDescription>
          <ImageCategoryType>UnitInteriorExhibit</ImageCategoryType>
          <ImageDatetime>2019-04-29T19:02:37Z</ImageDatetime>
          <ImageFileLocationIdentifier>\\Images\2.jpg</ImageFileLocationIdentifier>
          <MIMETypeIdentifier>image/jpeg</MIMETypeIdentifier>
          <ImagePropertyUnit>UNIT2</ImagePropertyUnit>
        </IMAGE>
        <IMAGE>
          <ImageCaptionCommentDescription>This is user entered text 4</ImageCaptionCommentDescription>
          <ImageCategoryType>UnitInteriorExhibit</ImageCategoryType>
          <ImageDatetime>2019-04-29T19:02:37Z</ImageDatetime>
          <ImageFileLocationIdentifier>\\Images\3.jpg</ImageFileLocationIdentifier>
          <MIMETypeIdentifier>image/jpeg</MIMETypeIdentifier>
          <ImagePropertyUnit>UNIT3</ImagePropertyUnit>
        </IMAGE>
        <IMAGE>
          <ImageCategoryType>DwellingFront</ImageCategoryType>
          <ImageDatetime>2019-06-15T14:05:11Z</ImageDatetime>
          <ImageFileLocationIdentifier>\\Images\4.jpg</ImageFileLocationIdentifier>
          <MIMETypeIdentifier>image/jpeg</MIMETypeIdentifier>
          <ImageImprovement>BLDG1</ImageImprovement>
        </IMAGE>
        <IMAGE>
          <ImageCategoryType>DwellingFront</ImageCategoryType>
          <ImageDatetime>2019-06-15T14:01:00Z</ImageDatetime>
          <ImageFileLocationIdentifier>\\Images\5.jpg</ImageFileLocationIdentifier>
          <MIMETypeIdentifier>image/jpeg</MIMETypeIdentifier>
          <ImageImprovement>BLDG2</ImageImprovement>
        </IMAGE>
        <IMAGE>  
          <ImageCaptionCommentDescription>Landscaping </ImageCaptionCommentDescription>
          <ImageCategoryType>SiteCharacteristic</ImageCategoryType
          <ImageFileLocationIdentifier>\\Images\exterior_p0_p1_siteFeature_img_1.png</ImageFileLocationIdentifier>
          <MIMETypeIdentifier>image/png</MIMETypeIdentifier>
          <ImageItem>SITE_FEATURE_Landscaping_1</ImageItem>
        </IMAGE>
      </IMAGES>
    </INSPECTION>
  </INSPECTIONS>
  <SITE>
    <!--Other Site details.-->
    <SITE_FEATURES>
      <SITE_FEATURE xlink:label="SITE_FEATURE_Landscaping_1">
        <!--Site feature details.-->
      </SITE_FEATURE>
    </SITE_FEATURES>
  </SITE>
</PROPERTY>

Table of Contents

MISMO 3.6 Image Extensions

IMPROVEMENTS / SITE_FEATURES Container Attributes

IMAGE Container Elements

Sample XML