In my opinion, your offer should be made based on what is a good deal for you to purchase the property, commission savings or not, but point out that you are an experienced buyer, won't be any extra work for the listing agent, and you hope the agent will consider dropping the 3% commission from the seller's fees to encourage the sale.

I would also encourage you to write out your goals.

I encourage calling.  

If you get in the townhouse I encourage you get on the Board too and watch your investment from that perspective.

I would encourage leveraging because your $80k will go a lot further, but don't do anything out of your comfort zone either.Good for you!

Anyway, I am writing to you to encourage you to continue to learn and research as much as you can.

Out in my areas, they simply don't exist in any meaningful numbers.

When you used to be able to have 80% furnaces those endorsing 90% would have to make the price competitive to encourage buyers.

This wasn't so encouraging so if anyone has any suggested Title Companies in the DC area please inform me.

Sounds like you just need encouragement, go for it!