The St. Paul house is perfect. There are granite counter tops, wood floors, no holes in the wall, and it's relatively clean. There are even stainless appliances. As the buyers prepare to write their offer, they carefully read the MLS listing sheet to make sure nothing has been missed. The property is bank owned and requires a special purchase agreement, but that isn't unusual. Even though it's in good shape, it will be sold "as is".
The more the home buyers study the listing sheet, the more questions arise. Why are the appliances not included in the listing sheet? They're in the house. Was the listing agent lazy or are they not included in the sale?
In the case of a bank owned property, the appliances are not included on the listing sheet, because technically the appliances are not owned by the bank. If the home owners who defaulted on their mortgage and lost their home, left the appliances in the home, the new buyers will get them, but there will be no bill of sale as proof that the appliance ownership has transferred. Unlike the house, the foreclosure process does not transfer ownership of the appliances to the bank. They are just left in the home or abandoned by the former owner. If appliances are not in the house, the corporate owner usually will not provide appliances. If they are, the new buyers can consider themselves fortunate (or unfortunate if the appliances are dirty or in awful condition!).
Not listing appliances as included in the sale of foreclosed properties is not laziness on the part of the listing agent. It is part of the foreclosure process that they are not included in the sale.