I can't think of a single reason why any seller would give a cash buyer any more consideration in dropping teh price than he/she would to someone applying for a mortage. Cash offer might have closing time advantage, but certainly not price break consideration.

It doesn't make sense to purchase a property with all cash (to me) Go find yourself a Mortgage Broker. Start with your Bank show them that you have cash on hand to buy the property but you would prefer to apply for a loan and you will put down whatever it takes to secure the loan.

ALL CREDIT ISSUES MAY BE OVERRIDDEN BY MONEY ON HAND.....

It makes sense (no matter how horrible your credit may be) for a mortgage company to loan $80,000 on a $160,000 home in which you put up $80,000. providing you have a revenue stream and have ability to pay the loan over time, because if you go into default it will be fairly easy for them sell the property and get their money back.