Has anyone negotiated a pre-forclosure deal where you were able to get the homeowner and the lienholder to agree to allow you to assume the homeowners mortgage at a significantly reduced rate? 

. $2k deductible now is much cheaper than negotiating the cost to replace it during a future sale.

If you understand tenant mentality well and have good negotiating skills, you may be able to make it a win-win.

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Is there anything I should be thinking about with this info, or is there anything I can negotiate?

I am in negotiations with the seller, and he keeps bring up the fact that they want to be paid for labor and management they put into the property at a $30 per hour rate, so they are adding an additional $75-$100,000 to the list price.

All major banks work exclusively through licensed agents so they don't have to negotiate with one-off individuals and to limit liability.  

Final negotiations were hammered out the following day.  

If they're willing to negotiate, they'll negotiate in that price range.

I was thinking-- everything is negotiable, right?