As noted, commission are always negotiable as are brokerage options (full service to discount companies that pretty much just post it on the MLS and you work with all calls, offers, etc) and an agent can go over likely net out scenarios with you and give you an idea what you likely will be able to net after closing expenses and paying off the mortgage balance. 

Just a heads up that Dave Meyer and Henry Washington answered this question during the podcast episode we published yesterday (Ep. 1,057).

Just a few other tips - you can increase your weekly and monthly discounts. 

The reality is that with the super low inventory we have sellers don't have a reason to give you a 50% discount, so your numbers get squeezed and you will end up leaving cash in the deal.

when the OP said the bank is WILLING to take 91k to me that means or infers a default situation and a discount..

I think Collin is being a little tongue in cheek with the Boone's Farm comment.I work with a local, large wine store, wait for their semi-annual sales when they compound discounts and buy 2 cases of each (white & red) for the largest discount.Basically I'm setting out wine that retails for $11-12-13 that I have paid $7-8 a bottle.  

This urgency can lead to favorable negotiations where investors may acquire properties at a significant discount.

However, you may be able to get the property at a discount, step in, and solve the problem.

I be sure to offer nice weekly and monthly price discounts. 

I did like working with themas as well, I was able to negotiate a discount.