Making multiple offers on one property

[Ashlee Fazio]

I am looking to make an offer on a condo in Wappingers Falls NY. I want to give a few options to the owner as far as the payout of the offer. For example, an all cash offer, an offer that splits the payment some now some later, and a payment that will include a down payment and monthly installments of less than $1,000 a month. They are asking $130k but my numbers only allow me to offer $80k cash. The ARV is about $160,000 and there are minimal repairs needed, mostly cosmetic. HOA fees are 200 a month. Taxes are 2000 a year. Can someone help me figure out what my offers should be? Thanks! Ashlee