Just curious as to what metro area in the Northeast you are from. I grew up there also and fell it is a great place to be from.
As for writing offers, I write whatever my client wants me to. It’s not my job to decide what a buyer should pay and I dont worry about insulting anyone. I do let my buyers know that I have been very successful at getting homes well below market prices when I can write a letter justifying the offer. My justification always includes market conditions, market direction and seller opportunity costs invovled in dismissing the offer.
Sometimes it works, sometimes it doesnt. Sometimes it royally pisses off the listing agent. I dont care. I just do my job which is to represent my client as if I’m spending my own money. If you agent doesnt do this, you probably have the wrong one.
FWIW, I dont take clients from this board and am not looking to get your business but rather provide sound advice.