I’d be careful about leaning too heavily on the 95 days. It may indicate seller flexibility, but it could also mean the seller is content to wait. Has the agent said anything useful about motivation or a preferred completion date?
Also decide your position on an appraisal gap before offering. A...
At a 7.53% financing cost, negative cash flow is not surprising unless the rent is unusually strong relative to the purchase price. More equity can make the monthly figure positive, but that does not automatically make the property a better investment. Some buyers may be prioritising...
A poor comparison can make a fairly priced studio look expensive or cheap for the wrong reasons. I would actually leave the cross-country material until later and first find local-board discussions based on recorded sales rather than advertisements.
It would also help to define the decision...