no ending question,this time is about i864

for using asset to supplement income. Page 5 part7. The instruction reads: 

"You may include the net value of your home as an asset. The net value of the home is the appraised value of the home, minus the sum of any and all loans secured by a mortgage, trust deed, or other lien on the home. If you wish to include the net value of your home, then you must include documentation demonstrating that you own it, a recent appraisal by a licensed appraiser, and evidence of the amount of any and all loans secured by a mortgage, trust deed, or other lien on the home"

To get an appraisal letter from the realtor costs a futune, may I use zillow or redfin to put together a report of my house value and comps of nearby others recent sales instead? 

 

thanks a lot always!