If you forward property info to me, I'd be happy to do some more specific research for you so you can make a more informed decision on this property.
Very Simple... Have your Realtor (If you need one I will Send you a recommendation at no cost) submit the offer asking the Seller's Realtor if it would be OK to negotiate the final price of the home with the Bank.
This way you don't get counter offers by the Seller and then you still have to negotiate with the Bank.
William Squires Coldwell Banker Primus
The transactions take a lot of time and depending on lender it can very short , very long or you may never get a answer until it is too late.
So in short you can offer what ever you want but if it does not meet the banks criteria it will not pass the first phase of the process. It is best to have your buyers agent to complete a price opinon to make your offer more likely to pass the first phase.
First Weber Group
Certified Distressed Property Expert
Although homes are very similar to one another different lenders, different conditions, many other factors are involved.
You can place any offer you like however would you be "wasting your time" or best purchase a home you like.
Work with your buyers agent and their recommendation.