An appraisal is only the opinion of the appraiser, but in the case of a tract home, regardless of price, it’s pretty hard to justify a 10% swing.
With custom homes and unusual parcels there is a bit more flexibility of opinion.
Most appraisers will not risk their license for an appraisal fee of a few hundred dollars.
A lender can and usually does appraisal reviews, esp at that level.
Any intelligent appraiser WOULDN’T push the value of a $900K home to cover $100K of personal property.
