@Khyree RandallIt's definitely frustrating in competitive markets like Sacramento, but you’re not necessarily doing anything wrong!

Every market is different, but paying cash doesnt necessitate a huge reduction in price - it might, or it might just make the offer more competitive than other bids that require financing. 

Unlike banks, which offer limited loan options, brokers have access to a wide network of lenders, including niche and non-traditional financing sources.Here’s what they do:Assess your financial situation to determine your borrowing power.Compare multiple loan products to find the most favorable terms.Negotiate rates and terms with lenders on your behalf.Guide you through the application process, ensuring you meet all requirements.Example: Suppose you have a lower credit score or unconventional income sources.

I've managed up to 400 rentals and never offered a concession.

Haven't bought a property in awhile.If I submit an offer, does the offer include the commission or not?  

I will say anyone offering this should be giving you all the pros and risks of the flint marketplace.

I have a property I’m looking at in Missouri that’s about 1,400sqft, and not sure the difference between a Cash and a Novation offer. 

I find properties on the mls and send them to the agent with the offer price.

But if your goal is to leave your day job soon, multi family will offer more cash flow typically.

Over the years, I’ve learned that offering tiered returns can be a win-win strategy—it rewards investors for their level of commitment while helping us maintain flexibility in our business.