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You have to counter offer if you want to sell. The market is down and the buyer is giving you a low ball offer coming in at $20K below asking price, provided you are asking a fair price from a recent appraisal or comps. If you don't have to sell it, I would not accept an offer lower than what you are ok with. Certainly not $20K below your asking price(again, provided you have listed at today's value).
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