The seller has agreed to give a credit of $7000 and price reduction of $5000 for window repairs after closing, this would cover the costs of replacing the windows that are in the worst condition.

A lot of times, these types of lifestyle choices will start limiting you down very quickly to specific areas, and since you are going to be living in the property, are likely to have a heavy weight on the neighborhoods.  

Last 4 years have been an anomaly so weight the pre 2019 data more than 2020-2024.

I would purchase all cash looking for a minimum of 10% reduction for the cash offering and then refinance it after closing.  

And truth is it's far FAR more weighted on a person, the personality, vs any company organization or lack there of. 

So, over time, you may have appreciation as well as debt reduction.

My personal credit is nearing 800, and our businesses have established relationships with several banks' commercial departments where all of the financial responsibilities have been met over time on our part, but I didn't know if ultimately, an entity could have an independent credit rating.I have an account at a local lumber yard that reports to Dunn and Bradstreet, but upon further research, Dunn and Bradstreet didn't appear to hold much weight from the brief digging that I did.  

One was 5 tons over weight!

I haven't seen anyone just jump at a significant price reduction without some pain first. 

I do have a steady job, but will be taking a sizable reduction of income in the near future.