I agree the pameliza about the best shot for 20% down buyers being short sales. That is where I have been trying. But forget getting an offer accepted, I can’t even get a reply to my offers, not even the one I just made at full price the first day, the first offer. The laziness of the listing agents is just stunning. This is obviously an extreme seller’s market. Comps for short sales can be tricky. I offered 165k on a value range of 150-165k. A recent comp just closed for 260k but 4 months ago closed as a short sale for 130k. Not sure how appraisers should see it. Obviously, the 260k will get priority, but I wonder how a 100% markup on a property with both sales closed in the past 6 months really looks to lenders. Doesn’t look sustainable to me but I’ve been amazed for the past year at the return to insanity.