Help me assess my fist deal!!

[Suzette Lowery]

I am working on my first deal and these are the numbers:

VA Foreclosure listed for 95,900.
Market Value 102,777
Average Value on street 114, 228.89
3 Bedroom 2 baths, 1 car gargage and only repair would be changing out carpet in only one room.
I bid 70K, VA counter with 90K, I counter again with 75K.
I was pre-qualified with 6.3% plus 20% down
Estimated mortgage about $750 and I can rent for $1050.

My question is what would be the maximum that you bid. I assume I would get vendee financing with 5% down, but the loan officer said 20% because my credit score is 666 and not over 680.