The banks appraisal is all wrong !?

[Nicholas Weckstein]

hello everyone, been a while since I've been on here.

After a long time of searching I'm currently under contract and closing in about 10 days, A few days ago i was reading over the banks appraisal report and I found some major discrepancys. First I'll start by saying the house appraised for the sale price.

My issues are, the house has 3 units, a 3 bed 2 bath, a 2 bed 1 bath and 1, 1 bed one bath. The report states that it's a 3bed and 2, 2bed....which to my knowledge it is not. 

Also the income section says that the rents across the board are higher than I know them to be...

The bank tells me it's in a flood zone, the appraisal says it is not. 

These are the big ones their are a few others.

I guess I'm asking how should I handle this, on one hand if the rents are higher than I was told by the seller than I'm happy but if they are not and I make a fus with this report, maybe they order a new one, and in which case the property value goes down. 

My main concern is the flood zone because that is costing me a pretty penny.

Thanks in advance 

PS the property is in Wilkes Barre, PA