Making offers to real estate agent or owner

[Fernando Cardona]

Hello. I’m fairly new and I’ve been reading and learning much from the podcast and webinars here in BP.

Began using calculator and have looked at several properties. I have some money saved up for downpayment and have good credit.

Well I wanted to make an offer on a property.  They ask for 84k, when I run the numbers for it to work for me is max 62k.

If it was sold by owner wouldn’t hesitate, but for some reason think the real estate agent will black list me or something lol

Well getting to the question. 

1. Should I look at sold by owner and sold by agent as the same, when making offers?

2. If my max payable amount is 62k, at what point should I begin the negotiation with? I was thinking probably 55k

Any insight will be much appreciated.