Christina Siwek

https://armls.com/docs/armls-rules-regulations.pdf

I would speak to your lender. Sometimes you are able if it's in the same line of work. But either way, speak to a lender in detail. They will help guide you.

I love a home decorated for Christmas. That said, you should get new photos. Holiday decor in photos will only highlight that your home has been on the market a while. New photos, and some new marketing to do a little listing refresh is a great idea.

Short answer is no - there is not a general guide. If the home is overpriced to start with, and has been sitting. You could offer an % under asking based on where the comps say the home should be valued at - market value. The strong points about cash is no appraisal needed, and can close quickly. Always ask what is important to the seller. If they know their home will appraise (or close to) and they want a standard or longer close. They may take a higher priced financed offer. Cash can only be used as strong leverage when it matches up with the sellers needs and goals.