You’ll see the appraisal that you may have access to and what it sold for was more than inline.

Appraisals aren't an exact science.

The old appraiser problem.

Gifting equity in a house may be more trouble than it is worth if you are not near the life-time exclusion1) Potentially having to get the property appraised everytime an equity is gifted2) Having a title company update the title every time3) Exemption of the gift tax return is normally for cash gifts below the annual gift tax exclusion, you may still need to file if you gift non-cash4) If there is partial ownership over several years, having to properly pro-rate certain items such as real estate taxes, mortgage interest and rental income if the property is a rentalBest of luck 

Ended up appraising for 98,000 with me touching it.

More importantly, does anyone have an outlet that will appraise the property off of an income-based approach appraisal and not sales comparisons?

I don't know what the 'appraised' value would end up being.

Appraisal fees should go to the appraiser, not to the lender.Legitimate real estate lenders always use neutral title, escrow, and closing attorneys, as appropriate for your region.

Most DSCR loans will have very limited seasoning requirements to use the new appraised value to refi.

Lenders will lend the lower of the amount between LTC and LTV.Do you require an appraisal and survey?