Definitely not Bayho but you already know that. Radelow is it for owner occupancy or are you thinking of renting it?
Also if you are going to lowball it, which cannot hurt, you may want to find our how far along it is. Is it a NOT yet. Also you may want to check to see if the seller has had the hardship paperwork completed with the lender yet as well. Finally you may want to feel the agent out to see how the lender will feel about totally losing the second and barely recouping the first.
