The photo is no big deal if it was taken while doing the standard photo's. As mentioned, it the title below it is "African American Leaving Home" you've got a different issue. You rarely see people in pictures but I've seen it once or twice, workers, etc. I didn't think twice about the validity of the appraisal because they didn't list out the etnicity of the area or any other issues that would lead you to believe the photo was taken to show the people verses the structure.
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Dawn Coursey VP/CRA Queen
CRA Rating is in...Oh who cares...I'm home with the baby.