• Certified General Real Estate Appraiser, State of Kentucky. KY001547
  • Federal Housing Administration (FHA) Appraiser. KY001547
  • Veterans Administration (VA) Appraiser. 5001179
  • Approved Expert Witness, Jefferson County Circuit Court, since 2001
  • Total Number of Real Estate Appraisals Completed to Date: > 12,050


Professional Real Estate Appraiser, April 1991 – Present

  • President and Founder, Commercial Appraisal of Kentucky, LLC
  • Completed over 12,000 real property appraisals in compliance with USPAP, FIRREA and all other required professional regulations for banks, mortgage companies, courts, attorneys, and individuals.
  • Appraisal assignments include: residential homes, apartment communities, apartment homes, houses, vacant land, residential home sites, residential condominiums, commercial condominiums, mixed use properties, shopping centers, subdivisions, industrial buildings, retails buildings, free-standing office buildings, mid-rise office complexes, places of worship, and special purpose facilities.
  • Appraisals were completed promptly and in compliance with USPAP, FIRREA and all other professional standards.

Review Appraisal

  • Between 1999 and 2006 completed over 1,000 appraisal reviews internally within my company, and trained candidates for the appraisal certification process.
  • Since the inception of the company in 1996, completed approximately 100 review appraisals for various banks and mortgage companies.

Appraisal Supervisor

  • Supervised numerous associate appraiser candidates through the certification process.
  • Many appraisal certification candidates received their certificates and went on to form their own appraisal businesses.
  • Between 1997 and 2005 managed a staff of 6 – 9 full time real estate appraisers.

Expert Witness and Appraisal work for attorneys and courts, 2001 – Present

  • Prepared appraisals for attorneys who were working on legal cases.
  • Testified in trials where real estate values were in dispute.

Roppel Appraisal Service, November 1994 – July 1996
Residential Real Estate Appraiser

  • Completed hundreds of real estate appraisals of single family homes and apartments.
  • Appraisals were completed promptly, professionally and in compliance with USPAP, FIRREA and all other professional standards.

Brown and Company Commercial Real Estate Appraisers, July 1994 – September 1995
Commercial Real Estate Appraiser

  • Completed approximately 100 commercial and industrial appraisals, one of which had over one million square feet under roof, and many with values in excess of 5 million dollars.
  • Charlie Brown, MAI reviewed and signed all of my appraisal reports.
  • Appraisals were completed in compliance with USPAP, FIRREA and all other professional standards.

Independent Contractor, August 1993 – July 1994
Real Estate Appraiser – Various Appraisal Contract Work

  • Completed hundreds of appraisals, including residential, commercial and industrial properties. Noteworthy properties are: The Swope Auto Center, in Louisville, Kentucky, which included nine new car dealerships on one campus; The Helmwood Medical Center in Elizabethtown, KY; 57 acres of wetlands, zoned C-2 in Louisville, KY, later to be developed as a Target; and the Future site of Galatin Steel Company, In Galatin County, KY.
  • Appraisals were completed promptly, professionally and in compliance with USPAP, FIRREA and all other professional standards.

Abraham and Breeland Commercial Appraisers, July 1991 – August 1993
Commercial Real Estate Appraiser – In Training

  • Completed over one hundred commercial and industrial appraisal assignments, consisting of all types of commercial and industrial properties including the Bill Collins Auto Center in Louisville, Kentucky.
  • Direct supervisor, Lenard Abraham (now deceased) Senior Appraiser.

Henderson Company Realtors, January 1989 – October 1991
Sales Associate – Real Estate Agent
Real estate sales associate.

  • Sold single family residential homes, apartment buildings, condominiums, vacant land and mixed used commercial properties in my first year.
  • First full year in the real estate business became the highest grossing first year, sales associate at The Henderson Company. The company was the sixth largest agency in Kentucky having approximately ninety agents.
  • In the second full year as a sales associate, became a member of The Henderson Company’s “Top Ten Club”, being the eighth highest producing agent in the company and among the top 10% of real estate agents for sales volume in Kentucky.

Century 21 Realtors, August 1988 – January 1989
Sales Associate

  • Listed and sold residential and commercial real estate.
  • Listed over $2,000,000 in the first year


  • University of Kentucky, Degree in Applied Science in Real Estate.
  • Attended University of Louisville taking various computer and business courses.

Various Real Estate Schools Attended:

  • The American Institute of Real Estate Appraisal.
  • The University of Kentucky.
  • The Foundation for Real Estate Education (Realtor Institute).
  • Mckissock Education.
  • Educational Training Systems.

Real Estate Courses completed: Appraisal Practices and Standards100; Real Estate Appraisal 101; Real Estate Principles 100; Risk Avoidance 121; Construction and Appraisal 102; Building Wealth in Real Estate 105; Sales Contract 112; Real; Estate Marketing 120; Construction and Blueprint Reading 122; Property Management 201; Commercial and Industrial Real Estate 203; Land Planning and Development 204; Site and Site Improvements 210; Residential Cost Approach 207; Expert Witness 213; Real Estate Finance 225; Real Estate Brokerage Management 225; Real Estate Law 230; Real Estate Investment 235; Single Unit Residential Condominium Appraisal 315; Appraisal Review 312; Fair Housing Law 352; Agency Law 303; Appraising Manufactured Homes 305; Segregated Cost Approach 320; Income Capitalization Approach 310; Misrepresentation 342; Marshall and Swift Cost Estimating Handbook 401; Commercial and Industrial Environmental Hazard Detection 408; Small Residential Income Property Appraisal 400; Cost Approach 410; Standards of Professional Appraisal Practice 401A; Site and Site Improvements 406; Small Residential Property Appraisal VI; Realtor Orientation Course 1988; Standards of Professional Appraisal Practice 1996; Kentucky CORE Course 2000; KREAB Uniform Standards of Professional Appraisal Practice 2000; Kentucky CORE Course 2003; Uniform Standards of Professional Appraisal Practice 2001; KREAB – USPAP Update 2002; Code of Ethics vs. License Law 2005; Department of Housing and Urban Development Visual Assessment Course 2003; Real Estate Brokerage Management II, Agency Law 2004; Realtor Ethics Course 2004; Scope of Work 2004; National Uniform Standards of Professional Appraisal Practice 2005; Federal National Mortgage Associations New Residential Forms for 2005; Agency Law 2005; What’s New in Silence Law 2005; 7-Hour USPAP Update 2006; HUD-1 Settlement Statement/Predatory Lending 2007; Residential Marshall and Swift Cost Handbook 410; Legal Update 2007; Marshall and Swift Segregated Cost Approach 2006; Legal Update 2007; HUD-1 Settlement Statement 2007; National USPAP Update 2007; Marshall and Swift Segregated Residential Cost Approach 2006; Legal Update 2007; ANSI Z765 2003; Square Foot Method of Calculating 2007; Basic Residential Design and Construction 2007; USPAP 2008; Kentucky CORE 2008; Sales Contract 2009; Commercial Real Estate Sales Comparison Fundamentals 2009; FHA Today 2009; USPAP 2009; Law of Agency 2009; National USPAP Update 2009; Sales Comparison Fundamentals 2009; National USPAP Update Equivalent 2010; USPAP 2011; USPAP 2012: Appraising Difficult Properties 2013; USPAP 2013; Home Inspection 75 Hour Certified Course; KY CORE Course 2012 (1297 classroom hours).

Sat for and Passed the following State Board Examinations:

  • State Board Examination for General Certification in Real Estate Appraisal.
  • State Board Examination for Obtaining a Real Estate Broker’s License.
  • State Board Examination for Residential Certification in Real Estate Appraisal.
  • State Board Examination for Transitional License in Real Estate Appraisal.
  • State Board Examination for Sales Associates License in Real Estate.

All Examinations were passed on the first attempt.


  • Certified/Licensed with the Kentucky Real Estate Appraiser’s Board since 1993.
  • Licensed Sales Associate, Kentucky Real Estate Commission since 1988.
  • Member Greater Louisville Association of Realtors since 1988.
  • Member Kentucky Association or Realtors from since 1988.
  • Member National Association or Realtors from since 1988.
  • Member Kentucky Association of Real Estate Appraisers since 2005.


Classroom Education

  • Taught home buyer education classes for The Louisville Housing Partnership.
  • Taught home buyer education classes for Jewish Community Center for Family Services.
  • Taught real estate appraisal to numerous associate appraisers.
  • Taught real estate seminar to be prospective home buyers.
  • Facilitated real estate strategies workshop for real estate agents.