figure out exactly how much you think it’s worth. Subtract 15% from that figure. If you love it, add 3%. then Subtract 5% if you get a bad feeling from the eocnomy that day. Finally, take that number and round it up to the nearest $1,000. take that number and offer it to t he bank and tell them that’s it, no further negotiaions. Unless you decide you love. Then just double the last number and be done with it.