REO's

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Okay Hi everyone, Im new at this.
My question is If I found an REO that they are asking 349,900, they got it in april for 300,000 and the auditor thinks it is worth 386,700.
This property is only 3 years old and needs no repairs, so what do you offer the bank then?
In other REO's or short sales are there any standard percentages people go by when putting in offers?
And is it wise to use a realtor for REO's and short sales?

I appreciate everyones help.