Well- the 322 is good, but the 274 isn't. So you owe basically $255K, right. If the real value is 322K, then your LTV would probably allow a refi. However - I don't put a whole lot of stock in online appraisals...
Any lender should accept an appraisal from a licensed appraiser. They cost $300+, though. If you are only running 700-800 a month short, personally I would go for that extra job. But, I'm a workaholic -so......
