Bank Financing 100% of deal

[Nick Rutkowski]

I found a off market 4 unit offered for $75,000. It's assessed at $124,000 and needs about $10,000-$15,000 of work. My lender's VP is drooling over it. She says, if the appraisal comes back above $100,000 there won't be a need for a down payment. I comped the property between $100,000 -$105,000 so she seems to have some merit. 

Now, we have enough for a DP, closing costs, and taxes so we aren't banking off a high appraisal. Who has been in this situation? What did you do to increase the value of your potential house before the appraiser walks through? 

Side note: I have access to the property to clean up and make repairs. Always looking for creative solutions.