Found the deal on the MLS and offered slightly above list which is ultimately where the property appraised at.

Delayed financing you still go according to the current appraised value of the property.

Home is currently being appraised around $135k.

Tax appraised value was lower than what I paid so no way was I going to volunteerly disclose my sales price if they can't figure it out.Mass appraisal process is different than individual bank appraisal process so that can create discrepancies.Some people protest through a formal protest process which can work to lower values.So just lots and lots of variables....good bad and otherwise.

For example, I just did a cash-out refinance  on my personal residence through a private credit union and it only costed me $700 (including appraisal) whereas most banks would charge closing costs on the loan. 

I have had 3 appraisers indicated that finding the value is too difficult. 

I had an appraisal, the appraiser needed access to the storage units to get pics of the water heaters, and time was of the essence because I didn't want my locked rate to expire ( 30 day process I was on day 25).

However, I'm not sure the real benefit will be there for R1 lots until we get reasonable appraisals on the ADUs.

I have yet to have the property appraised and the pastor of the church asked what did I want for the property.

@Tishon Greene it won't be worth it to pay an appraiser to come and advise because different appraisers value things differently.