Firstly, what a deal is to a buyer is different than what an agent would consider a deal.Two, how do you know if you haven't even tried to make good offers?

I started with them because I could not find another lender offering a DSCR HELOC.

In other words, they get a solid offer and want to hold out for a better offer.  

If you’re talking to kore than 2 realtors in one city what are you offering?

The listing broker then offers a portion of that to a cooperating broker (let's say 3% to the buyers agent).

Andy (LO BALL) Ho was a guy who passed around the office from broker to broker, making dozens of offers on dozens of properties all so low in offering price that they could never be accepted.

Zelle is offered for business accounts, we use it for multiple accounts.

Not a surprise, what you are offering is pretty beat up and you are asking top dollar.

They’re relocating out of town and would like to sell by the beginning of the year.Here are the key details:Current rent: $1,850/month (tenant is month-to-month, wants to stay)Market rent estimate: $2,200–$2,350/monthTenant history: Has been there for about a year; was paying $2,150 at their prior rental, so an increase to $2,000+ should be manageable.Seller’s situation: They owe about $156,000 on the property and want to net around $100,000 after all taxes and fees.Existing mortgage rate: 3.5%Wholesaler offer: $287,000My position: I just bought a fixer-upper, so most of my cash is tied up, but I can access around $100,000 from a HELOC at 6.5% (15-year draw / 15-year repayment).Question:Is there a way to creatively structure a deal that allows me to leverage the seller’s existing low-interest mortgage — even though it’s not officially assumable?

I went and use another agent and put an offer in and got it accepted.