the bank says no less than $95:.

REO home in South FL, decent neighborhood, decent house outside( built in 2008). Missing a/c unit, both toilets, kitchen sink( no pun intended ), hot water heater, cabinets, part of the back fence. List price $119K(arv comps at $135K). I offered $53K. Their response? No less than $95K. Oh really? What do you think?