Appraisals in Texas "soft market"/Info for realtors in Texas

On the past few residential deals that I have done the findings stated that the property is in a possible "soft market".  What this means is that on the appraisal their has to be four comps.  2 of the comps must have been sold within the last 3 months and one listing/pending sale.  The appraiser must also note the days on the market for each comp.  If the appraiser is unable to give this info the ltv will be lowered by 5%.  This could possibly kill a deal if the borrower does not have the extra 5% to close.  Pay close attention when making offers and listing homes.  Make sure to do your homework.  Also rates are near a 2 year low.  There are great programs available for primary, vacation homes and investment properties.