The good news is that you, as the borrower, would be able to discuss the property, great sales comps, and highlight it's improvements (if any) and put it in the best light as possible to help influence the appraisal.

So many people let the fear of the unknown influence their decisions!

FYI, when I got into RE I started getting into conversations about the market, investing, etc and  quickly realized that there were more investors in my immediate sphere of influence than I originally thought!

The insurance looks a little high but that might be influenced by the hot tub or the age of the property. 

How you talk to people has a direct result on influencing them.

We do at least two open houses every weekend, we pass out professional flyers, we’ve contacted our sphere of influence, we tell everyone we meet we’re Realtors...it seems like we’ve done everything!

"How to Win Friends and Influence People", by Dale Carnegie. 

Your calculation of value is influenced by where you predict the NOI will be when you take it over and for years after that.

Your agent is might make $30 off the price difference, but that should not influence them at all.  

The appraisal is still independent verification so the sale price can't influence that in theory.