Each of us is unique and special, indeed, you are special.

So, if you agree on $110K w/10% down (plus another 3% or so for closing costs), you need to bring $14.3K to the table.

There is funding available that would allow you to finance between 65-70% of the purchase (depending on property type)---are you coming to the table with the balance or is the 10 million dollar request a piggyback to 1st you have already secured?

Those sort of things are "table stakes" in my opinion.

I have heard many bad stories about family partnerships.I think the key is to find a partner match in which each of you bring something entirely different to the table.

Couches, tables, nick-nacks, beds, flowers, ect.

What do you bring to the table other than the introduction?

My biggest hurdle with REOs is getting the bank to the closing table.

The minimum credit scores required for borrowers may also be raised, and the guarantee fees charged to lenders may increase, Donovan said. “We have made the decision to exercise our authority to increase the up-front cash that a borrower has to bring to the table in an FHA-backed loan, to make sure that FHA borrowers have more ‘skin in the game,’†Donovan told the committee.

Which one works better in either/or scenario would depend on factors like how motivated the seller is, what you bring to the table from the standpoint of your background as an investor (flipper vs wholesaler vs buy-and-hold).To answer your original question, being a buy and hold investor and lacking much experience in remodeling, I personally would try negotiating a lower than market price in lieu of an all-cash offer.