What will it take for a motivated seller to sell!

[Jeffrey Monahan]

Ok so I have a couple of questions pertaining to wholesaling properties.

Once I analyze a property and decide that I want to make an offer... What if my offer is less then what the seller owes on the property?  Can they and the bank take a loss on the house if they decide to accept?

Does my offer absolutely need to meet what they owe on the house to get a deal?

Perhaps I am overthinking this... But if I were a desperate, credit destroyed, down in the dumps seller.. I would just want out from the property.  I would take a loss on it.

Any thoughts, advice, correction would be highly valued and appreciated thanks!