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Eight per cent below is not automatically insulting if the offer is presented as a serious package rather than a criticism of the home. Keep the rationale short: uncertain completed comparables, updating required, financing evidence attached, and flexibility on timing. Don’t claim 73 days proves...

How did you calculate the 7.4%? If it compares the median current asking price with the median sold price, those may be two different groups of homes. A more useful measure would match each completed property’s original and final asking prices to its sale price. Also, does 98 days end at...