The cost approach is doing all the work on an appraisal 53k under

The GRM line is the part I'd look at, because 118 on 2,950 is 348k and that's 64k below the sales conclusion. Either the multiplier is stale or your new rents are above what the multiplier was derived from. If those three grid sales were rented at 1,100 a side when they closed and you're at 1,475, the appraiser derived a multiplier from a lower rent regime and applied it to your higher rents, which should have pushed the income indication up, not down. It didn't, so I'd want to see what rents he used for the multiplier derivation.

Separate point. At 412k, what's the loan amount and the payment, and does the deal still work? You bought at 318 and spent 71, so you're at 389 all in. A 75 percent loan on 412 is 309k. If that retires your existing debt and the payment clears at your rents, the appraised number is a bookkeeping disappointment, not a problem. Tell me what the current balance is and I'll tell you whether 19 days matters.

@harrow is right that the invoice packet goes nowhere, but I'd send it anyway with a one page scope summary rather than the invoices themselves. Appraisers I've dealt with on the construction side respond to a scope list with dates far better than to a stack of receipts, because the receipts don't tell them what's behind the wall.

The electrical rework is the one I'd call out specifically. A 1950s duplex with knob and tube or an updated panel is a different insurability profile and that shows up in buyer behavior even if no appraiser has a line for it.

You've got 19 days and three unattractive options, so I'd pick on the clock rather than on the value. ROV through the lender's channel in my experience runs 5 to 12 business days and comes back unchanged more often than not. If it comes back unchanged on day 14 you're re-locking anyway.

Sitting until a better comp closes is the option nobody likes and it's probably the right one if @ledger's payment math says 412 doesn't get you what you needed. Duplex sales in a submarket with three trades a year don't arrive on your schedule though, so "wait" might mean nine months, and rates do whatever they do in the meantime. Confirm the re-lock terms with your lender in writing before you decide, because that's the actual cost of waiting and it's the number you haven't posted.