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I would submit one concise offer with three parts: the rounded price, evidence that financing is credible, and flexibility on completion. Give enough time for the seller to consider it rather than using a pressure deadline. If they reject without countering, ask the agent whether the obstacle is...

For a five-year decision, I’d compare the cash actually paid during those five years: monthly payments, arrangement fees and any other required costs, while separately tracking how much principal remains. APR is useful, but it can mislead if offers use different assumptions or if you expect to...