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Can you split the sample into newly listed homes and older stock? If new-listing volume is high while older vacant properties sit, buyers may simply move to fresh options. If little new stock is appearing, those same buyers have more reason to negotiate.

If contractor control matters, I would first request the credit, subject to written lender approval. It is potentially more useful for paying the repair bills than a reduction spread through the purchase financing. But confirm how much credit can actually be applied at closing; an attractive...