Is there a simpler way than calling every big lender to find out who considers the appraised value, not the selling price, when computing LTV? I am dealing interested in non owner occupied residential, with 25% + equity at signing, yet I can't find anyone that will consider the appraised value when quoting me.

peter faul:

I can't find anyone that will consider the appraised value when quoting me.

The guideline for every lender doing conforming loans on a purchase is sales price or appraised value, whichever is less.

Your odds are about as good as finding a lender who will agree not to use your Social Security number.

There is no way.  It can't be done. 

And even the thought of using appraised value for an investment property would make a lender squirm forever.  The risk is off the charts.  Because you would want the lender to use a value higher than the value you are willing to pay.