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Judging by the location of where he lives, I reckon there'd be more than one or two nice wineries he could go straight to the Cellar Door and select his beverage to celebrate. Congratulations Jim. :)

Perspectively appreciated. Efharisto :) Good luck with the purchase.

To offer yourself some perspective, what percentage of the purchase price does the bank's 15 K loss represent? Are you buying a screaming bargain or paying fair market value or somewhere in between? Give it a bash by all means to get a discount off your buy price from the seller/bank, but...