If you're serious about getting a good deal on a primary, stick to your guns and make the ask.The worst they can say is 'no.'

@Igor Nastaskin Chase is the problem here...everyone is more conservative, they are of the worst...send a DM

You still have equity in the house (because you put 20% down in the first place), and (worst case) you can still sell it and walk away without going into foreclosure.

I've had both ORHP and AHS and they basically will send the worst contractor over to do the job.

Worst case scenario, what if I get a tenant that I’m unable to evict  due to Covid?

Find our worst case scenario how much it might cost to get the tenants out, and offer him 325 vacant, or 325 minus X amount with tenants in place. 

Since she wont let you see the house, assume the worst repair wise and plan for a gut job.

Greetings BP Family,    I remember when the Corona Pandemic first began, there was so much talk about all the opportunities to come, the lowering of housing prices, the sea of foreclosures to come ect....Quite Contrarily, Ive noticed that it has only made things worst and more competitive for buyers, once again giving the power to the seller.Some observations:Prices have gone up- I saw a house that was listed two months ago in probably a F class neighborhood relisted for 25,000 more this weekThere was already low inventory, so now that there are even less homes for purchase...folks may have to fight over the few availableAuctions are suspended so this is one less route to explore.

They use that worst case number for quick analysis.

The worst thing that can happen is you lose so much money on your first deal that you get knocked out of the real estate investing game forever.