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The average Bay Area home sold in April went for 7.1 percent more than the asking price, the largest percentage since the California Association of Realtors started keeping track in January 2008. […] it’s not putting a crimp in runaway home prices. All-cash buyers, who represent about a quarter of the overall Bay Area market, don’t need an appraisal because they are not getting a loan. After losing out on many homes, some frustrated buyers will pay whatever it takes, often with no loan, appraisal or inspection contingencies. If you start at full retail price, nobody makes an offer. Lenders want to see at least three comparable homes that have sold in the past six or 12 months, but they also like to see current listings in the neighborhood. When homes are deliberately underpriced, Larsson might add a note to the appraisal that says, “No listings are provided because the agents’ strategy in the local market is to list under what they expect multiple offers to generate.” Zach Dawson, Fa...

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