Bank Overthinking Quad Value?

[Account Closed]

I am representing a buyer-client who has a quad under contract. The bank is having trouble justifying the value of the property because of lack of 'established marketability' and good comps in its rural location. We sent the bank a recent appraisal that was performed at the request of the seller prior to listing. The bank claims the comps are mostly inferior to the subject property, but also that they are in a different area - a more expensive area within 20 miles. Shouldn't that be a positive indication of the appraised value?  The property has a 13 year history of being fully occupied. Is that not validation of 'established marketability'?