If you mean by "make a deal", will you getter a better price by paying cash? it's been my experience in both selling for two banks and helping several buyers purchase foreclosures, not really going to make that much difference in sale price. Bank's have a target net they want to hit based on formulas, appraisal, days on market. They don't deviate from those guidelines much regardless of form of payment. Maybe a few percent but nothing dramatic. As far as maybe accepting your offer over another buyer's financed offer, makes a big difference. You should consider using an agent with experience in writing and receiving offers on bank owned properties. It's a large transaction and you should consider being represented by an agent if you don't already have one. Let me know if I can help further.