In general what I have found with REO properties is that the bank doesn’t really do anything. Again it does not hurt to ask.
If you are going to ask for a credit for something you need to be very specific in what you are asking for and how much. The what is important because of YOUR lender. Be specific about non recurring verses recurring costs verses money for repairs or upgrades. The how much is important to the bank you are purchasing from. No seller whether it is a bank or a private party will give you an unspecified credit for “closing costs”. Give a hard dollar amount or a % of the sales price.
The 400 a day is not bullying. It is pretty much standard fare for any lender you purchase from. I doubt they will agree to doing it the other way around but maybe they will.
