continued–If you’re planning to get into a house w 0 down..well, that’s probably impossible to near impossible! The market has changed in the past month…the banks have been burned badly by people just walking away from their homes (ShortSales-Bank Owned all over!) So, it’s a differnent animal now… The $350K is prob a cheap price..for what they’re going for now..April prices..that’s if the owner will sell at that price..I’ve found many holding their prices..so, I’d say between what they paid in 2005 to a bit lower, you’re pricing it right..It doesn’t hurt to try the $350- sure he’d counter…The owner probably got $ back at closing when he purchased..why it’s saying $440K, vs what the neighbor is saying..so did they put the money into upgrades (back into the house?) or used it towards buying another property..Who knows??