SHOULD I ASK FOR SELLER CONCESSIONS OR DISCOUNT OFF SALES PRICE?

[Account Closed]

..."the inspection came back okay, but there's about 10k of cosmetic stuff that needs to be fixed and the seller is willing pay for." 

STOP and listen to good advice!

As a Florida Mortgage Broker, I see so many borrowers and/or buyer agents completely fumble the ball at this point.

If you are paying cash of the property or planning and/or can put 20%, 30% or 50% down, then take the 10k off the sales price.

BUT...if you are over 45 yrs old, with less than 200k in retirement and have Credit Card debt and obtaining a loan with less than 20% down...

take the 10k as a SELLER CREDIT to pay towards buyer's closing costs and prepaids