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Be very carful. Do NOT present a CASH offer with the hopes of getting loan prior to closing,,UNLESS they know you may use that option.The lender will require more due diligence and some can be with the property condition,appraisal ,survey ,is chain of title clear...there is a lot of unknowns' about this home right now.The lender will be stricter and they may not want to deal with a lenders objections.Cash is always easier for ANY seller.
If you state cash,and cannot close due to lender denial...expect legal issues if they did not know you were trying for a loan and would DEFAULT to cash if need be.If you are forced to result to your 401,you need to investigate that too..you need your investment advisor or accountant for any penalties,tax ramifications..etc..You would also need to know how LONG it can take to luquidate IF you had to use that option.MANY buyers have bought all different price homes for cash,there are buyers buying million dollar homes that way.Everyone had different reasons,some for investment strategies,some for financial comfort and low monthly expenses.It may mean this home and this situation is not for you.Best of luck Suzie
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