Help: HUD Bidding process! (Owner Occupant)

[Natalie Martinez]

Property is listed for 244k. However, a lot of people are interest in this property. I will really like some help on what may be a good bid offer!!! I was thinking 250k due to people showing a lot of interest and also on the comparables of the area. A realtor suggested no less than 255k. I have been reading about the 80-88% rule but I am worried it will impact my offer and not being accepted. 

So, I am here open for any suggestions and comments. Also learning on the HUD net value numbers!! :)

It will be highly appreciated, I will be deciding the number tomorrow so we can submit the offer. 

*fingers crossed*