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Make your offer, sounds like they have 2 house payments. If you have a realtor I would look to see when they bought the home and how much was financed.
Asking 15% off in this market right now is 'okay.' Just be prepared that depending on their (seller's) situation they may or may not be willing to go with your offer. Not being an expert in that part of the country, check to see if there are SOLD comps availabe from your local REALTOR or zillow.com. But do make a clean offer when you are asking for a deep discount. (Purchasing the home in AS-IS condition & have financing ready to go.) Good Luck! Let us know how it goes!
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For Sale: $385,000
For Sale: $225,000
For Sale: $499,900