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Comps have nothing to do with loan value. Your income, credit, and assets and debt decide what your max loan value is.

Well, my response was to a statement that has been edited :/

your financing can be denied if the house doesn't appraise, depending on your deal with your lender

And while the appraisal is supposed to be independent, the appraiser knows the contracted sale price of the house at the time of the appraisal.