25% down on MLS Property

[Robins Dorvil]

Correct me if I'm wrong here. Most people say if a property is on the MLS it's either over priced or priced at retail value. My question is, what if I decide to buy a property at retail value putting 25% down. If the down payment make my numbers work and I don't mind leaving my cash in the deal for long term gain, would that be something for feel guilty about or should I take a different approach? I know we are in a business where you should leverage as much as possible but I'm seeing everywhere people are stating the numbers aren't working unless you get a steal on an off market property? Let me know your thoughts. I want to make sure I understand what approach I should take.

Warmest regards,

Robins