Asset management companies use their own listing agreements when you get the listing and their own purchase contracts/addendums when they tentatively accept an offer written on your real estate board's forms.

Not that great of an area, one unit occupied and other is accepting applications from section 8 tenants.Seller asking 65K, $7,500 down, 8% owner finance for 18 months.

I assume if the bank will accept even 75% LTV and 75% of income I should not have a problem getting 100% financing.

The accepted estimate is that the HVAC unit should provide 1 ton (12,000 Btu) of air conditioning for 400 to 500 square feet of building area.

In there minds the home is over leveraged and 'the bank will never accept that much less'.

BG, I think you might want to investigate why they will only accept cash.

PROPERTY CONDITIONS: Buyer accepts the Property in its present condition.7: Buyer is liable for all taxes, insurance and Homeowners Association fees from the date of closing of this contract.

I finally got an offer accepted on a home in FL on Dec. 8 and am closing on Dec. 23.

I don't understand why you seem offended that BP accepts donations or that members would encourage others to donate.

Listing price is irrelevant, except as an indicator of the likelihood of getting and accepted offer.The second part is that in my and others experience, banks don't come down much off their listed prices. 5-10% maybe.