How to buy this property?

[Dhanush Kondoth]

Hello Fellow BP-ians,

does the banks always go with 75 ot 80% of the purchase price on contract or is there a way to get 75 to 80% of the actual appraised value, even though the contract purchase price is only 75% of actual value? or is there a smart and legal way to put a contract together which will let the lenders provide me with 75% of the appraised value rather than the contract value?

Any help/thoughts/ideas will be appreciated 

Dhanush