Looking for financing for ARV vs. Total cost

[Domenick Cava]

I am trying to connect with banks and credit unions in Maine(the area I am looking to invest). I have started contacting one institution every morning. One issue I keep running into is their refinance is based off of total cost(acquisition and renovation) as compared to Market appraisal. Is there a better way that I could ask this question, do I need to try and negotiate this, or just keep looking for a lender that refinances off of ARV. Thanks all.