In terms of the appraisal, appraisals are based on comparable sales. In this market, distressed sales are comparables, and can impact your home value. They are also a snapshot in time. If in the last 90 days you had many distressed sales similar to your home, you could get a much lower value than if the last 90 days or so featured mostly regular (non-distressed) home sales.
Something is off, not sure your disability income or credit score are the reasons for you feeling the lenders are "avoiding me at all costs".
I would be happy to review your situation with a no obligation, no cost analysis. PS, my brother lived in Charleston for 3 years. Best wishes, Jim, 703 615 4675