If you're getting a loan, no matter what the sales price, it is all going to come down to the VERY conservative Lender's AMC appraisal, so what worries do you have?
If you like the home, why not contract on it, then the seller will have to drop the price to the appraised value? Worst case you'll be out $400?
If you are working with a Buyer's Agent, ask them to rebate you on the next property to cover the $400.00 and even more!
The Florida Real Estate Commission(FREC) Rule 61J2-10.028 (2) provides that ,,,a licensee may share brokerage compensation with a party to a transaction as long as full disclosure is given to all interested parties
US Dept. of Justice Consumer Alert: Consumers Can Save Thousands of Dollars in Commissions
FYI- here is what my realtor partners are willing to do for my buyer referrals:
You must have been chatting with Barbara and Joyce, the buyer I worked with last week. They said exactly the same thing "Does the Seller think people are so stupid?". Today they ask, "Can we see that house again?" Someone made the decision for them. The home is under contract.
If you did not submit an offer at the previously sold price...sigh. What can we say?
Sometimes it takes a while for out-of-towners to realize that home are For Sale in Florida, they are no longer 'On Sale." That ship left the dock last year.
If you are serious about buying real estate, not just jerking peoples chain, contact a Miami agent and with their guidance you can find distressed or secret sales that may make the process easier for you.
Shopping for real estate on aggregate websites notorious for false data seems to indicate you are not serious which is fine. You will be about 15% behind the market until you graduate to serious tools.
Best of success to you,
go in to the property with proper comp's and you'll be successful.