Should I buy it before it hits the market?

[Joe Wall]

I have the opportunity to buy a 3-bedroom duplex (6 bedrooms total).  I'm in contact with the listing agent but my realtor thinks I should let it hit the market.  I've been 0/5 due to this being my first real estate purchase.  My goal is to house hack.  I personally believe I will be outbid and get into a bidding war if it hits the market.  Plus, I'd have to do a hard money loan likely.  I love the place.  It's being listed for 300k but want about 325k if I buy it before.   There's just nothing in my area and it's hard to find side-by-side duplexes with attached garages let alone a 3 bedroom in my area.  It should be listed next week.  I realize I basically have no leverage but if they are willing to sell it before it hits the market I think I should buy it.  

What are your thoughts?

[Mike Dymski]

If you want it, the numbers work, and the market value is $300k, send a written offer for $300k (not $325k).

Hard money loan is short term financing...not owner occupied long term financing.