Actually, it has been easier to negotiate a bank-owned property versus a short sale because dealing with the bank directly involves fewer layers or approval and/or negotiation.
I am a local agent in Florida and would love to help you with purchasing a home. I'm not sure if you're referring to a short sale, however I would be happy to tell you about several short sale or bank owned homes that are available, depending upon where you're looking within Florida.
We are a family business and have experience with the complication of purchasing such a home. Please visit my personal website and set up a property notifier based on all of your criteria: http://jolielindholm1.point2agent.com. Send me an email so I can help:firstname.lastname@example.org.
Red Reef Realty Inc.
Business AIM: Redipad2
Have a local agent help you with the transaction.
I see you are in Florida. If you would like a referral to a local, qualified buyers agent in Riverview, I would be happy to help you.