You look for comparable sales for other distressed properties that are similar and nearby and also counter that with finished version comps so you can see what your perceived spread could be.

. -- lots of factors to consider (including your personal strategy), but here are a few high level metrics to compare the most populous zip codes in HuntsvilleWelcome to drop me a message if you are interested in checking out the full report 

Kyle there are a ton of options here that you can compare.

I agree with @Michael Baum, are they true comparables? 

Also, just compare your listing with the competitor listings.

Quote from @Tove Fox: What are the pros and cons of each when compared?

I was comparing large cities to other large cities.  

The cost associated with insurance for not having 20% is peanuts compared to what you potentially can do leveraging your down payment. 

Emphasize that your offer is competitive and you’re ready to move now, or set a reasonable deadline for the offer to ensure the seller knows you’re serious.Use Comparables StrategicallyHave data on hand to support your position.

How did the price compare to other options?