The trustee did a premature appraisal before staging and before new paint, new carpets, new furnature, and these are the results.House is at Belmont, CA  180deg.

Do you have cash you can close with right now, and are you willing to close right now, without an appraisal, inspections, contingencies?  

However, they requested to do a second appraisal because it was actually zoned as a SFH.

If your bank ordered appraisal (if you had one from your purchase) is less than the assessed value, that's a good starting point to submit as supporting evidence.

You should be able to get 75% of the appraisal up to a max of your purchase price plus closing costs.

Second because they can’t borrow the amount over the property’s appraised value, even for the furniture.

In Florida, we have to contact the property appraiser to determine unit numbers, because that is what the sheriff's office looks at when they execute a writ of possession to remove a tenant in an eviction. 

This includes underwriting, processing, appraisal, credit report, etc.

Tim - I think the appraiser may look at the assessor's office information to see the square footage, bedroom count, etc...

Many HELOC or second mortgages are fixed interest rates and depending on the loan amount, even offer 100% online and no appraisal requirement for issuance.