I am putting an offer on a bank owned REO. It needs a new roof and the electrical is a nightmare. As these are safety issues, I can not get a FHA 203k loan because they would have to be fixed. I have been reading that banks do not like to deal with fixing this stuff and just want the best offer. There are a couple other offers that are not up to asking price. This property is valued well above listing price. Should I offer listing price and add these to be fixed, or should I go a little bit above? Please help!