We have been looking for a small contract (less then 75 points). We want SSR, AKL, or OKW (extended). I found a contract for 55 points at SSR with UY Dec. Dec '13 has 61 points and then 55 every year. The seller, I was told, still owes on the mortgage and is asking $95 pp. Way to high. I offered $63 pp, split closing costs, and we pay MF for 2013. What do you think about my offer? The agent said they most likely will reject the offer, because they would be eating a huge chunk. We are not willing to pay more because someone owes. We would rather sit and wait.