In sales, appraisels (more often than not) confirm the value set by the buyer. If you look at a hundred asking prices, appraisel prices and sale prices, you will find that they all vary by about 15-20% for similar properties in similar condition.

The bottom line is that you can get an appraisel at or pretty close to just about any price you want. If one appraiser doesn't work out, get another.

So to answer your original question, Darren, sure you can set your RTO price to the appraisel. If the buyer is willing to pay it, you've already got the bank's blessings. In the end the buyer IS the market and they determine the value.