Who gives a s--t if the seller is insulted. If he needs to sell and yours is the only offer, he will sell. If he doesn't need to sell, he will either counter or not accept. In this business, people's feelings get hurt, wives get upset, buyers get anxious, its all emotional, but at the end of the day, when a deal has to be made, it gets done, even if everyone at the table wants to claw each other's eyes out. Ideally that is not the case, but sometimes it happens, and that is that.

Consider this: when the market was booming a few years back, were sellers worried about "insulting buyers " when they asked ever higher amounts? Why should you worry about that now? Its a zero sum game Lisa, and more money to him means less for you. Forget about 'insulting" him, its simply about a meeting of the minds, feelings notwithstanding, and if you two can't find a meeting of the minds- happy, sad, nuetral whatever- then move on.

we do renovation loans up to 97%. You can finance any repairs if you find a home for a discount. sunny_hong@countrywide.com

Some people will take offense and others won't. I recently had an offer for exactly 20% below asking and the agent said sorry about it when she gave it to me. I took it with a grain of salt but my wife got upset. The funny thing is when we made an offer on the house we just purchased our agent suggested also asking for 20% below to start and my wife didn't have a problem with doing that. Go figure!!

Hello, actually you are correct. If the comps you have are for home in mint or renovated condition and the property you are interested in is in the same price range but needs over $100K in repairs then you have every right to ask if the repairs are either fixed or to give you a credit for the repairs.

You are wise to ask this question. If you are not working with a Realtor you are at a distinct disadvantage. That is where the information, experience and good judgment lies. You make your offer based on your best estimates but do work with a Professional to get the job done correctly and well.

You should really have a broker working with you on this transaction and all transactions. We are here to watch your back and help guide our clients through any situation that arises.

With that said, it is perfectly reasonable to deduct the cost of repairs from the offer. If they are pricing it too high for the renovation level or condition of the property, your offer should reflect that. Is the home for sale by owner or represented by a broker? If the owner has a broker, you really should have one. And if it's directly with the owner, you both should be employing lawyers to negotiate for you.

One way to present such an offer so that the seller is not insulted and also takes your offer seriously would be to tell them that you are not meaning to say that the number you are offering is what the house is worth, but you are meaning to say that this is what the house is worth to you. That way, the seller is less likely to take offense, and at the same time, they understand that there is very little room for improvement in your offer, if any. Good luck with your purchase.

I believe you should pay what you believe the value of a property is. If it has laminate counters and you want granite, that should not be the responsibility of the seller. If the roof is on its last leg, certainly that is something to consider in making your offer.

Give me a call at (718) 698-2179 or ( 646) 302-1470 at Prosperity Real Estate Group, We are on Richmond ave as well, I can help you answer any questions you may have, this is not commitment to come with us. YOu can come and inquire about this even if you are already working with someone. Buying a property is a constitutional right, and we are here to make sure you are not provided with erroneous information.

My Name is Caesar Galindo Office manager, and Law Student at CUNY Law School.

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