Need help with result of an appraisal

[Parker Foley]

Hey guys I’m having an issue. I and trying to refinance out of a hard money loan. The duplex appraised at 305k when I bought the property 9 months later the duplex is now appraising at 174k. I’ve disputed the appraisal and they adjusted price from 172k to 174k. There are homes in the same zip code that have sold for much more but the appraiser is using comps from a different zip code (assuming bc they are part of the same subdivision) I don’t know what to do bc if this property doesn’t appraise at 305k minimum then I’ll be forced to either pay off the balance of the hard money loan or I will be forced to sell and lose money. What can be done?