ARV and the hard money lender

[Danielle Desaulniers]

Hi everyone!
I am a newbie and have just gotten my first deal. Here is my question/situation: My hard money lender had 3 independents come out to my property to determine the ARV on my house, so that he could then decide on how much money to lend me. His people told him that the ARV on my house will be $225k. The problem: Both I and my realtor comped the house at $300k! Now the investor doesn't understand the full scope of renovations but I did give him the repair estimate. Now I am worried that my new property isn't worth what I thought it was. Is this what they do to loan u less or am I wrong about the ARV?