If they advertise the cap rate and post an offer memorandum, then I'll look at that.

Before you make an offer, find out all you can.

We sent an all cash offer for far below listing which was accepted.

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no one is guaranteeing it won't, or offering to cover the cost. 

Did you find their offerings to be clean and free of liabilities?

Minnesota does offer more appreciation than other Midwest markets and has traditionally been a balanced market for cash flow and appreciation, which I think is ideal.

Thanks in advance.Buyer 1 is offering:$130K Purchase Price10% down payment10 year term, 30 year amortization, and 5% interest Buyer 2 is offering the following options: $135K5% down payment20 year term, 30 year amortization, 5% interest$135K3% down payment15 year term, 30 year amortization, 5% interest$141.7K0% down payment (rolled over into purchase price)15 year term, 30 year amortization, 5% interest

We've had clients change their offered commission numerous times during the course of a listing thinking it would make a difference - our experience is that above 3% or with a BTSA (Bonus to Selling Agent) it doesn't have a measurable difference - the Buyer is generally in control and pushing a client towards one home or another based on your payday may land that agent in hot water later.