9 ways to crush all-cash buyers

Address the seller’s time concerns

Since time is typically one of the seller's main concerns, buyers with financing should make their contingency periods as short as possible and offer the seller a per diem so that if the sale closes late, they get compensated each day.

Each party agrees that if you can't close on a certain date, the seller will automatically extend the contract for, say, up to 15 more days, says William Golightly of Poole Realty in Live Oak, Fla. "But it costs you as the buyer anywhere from $20 to $75 per day until it’s closed."

Putting this provision in your contract "will keep the lender a bit more on their toes for your sake," he says, "and it also shows the seller you are really willing to put your neck on the line for your financing."

This deal sweetener will appeal especially to sellers who are carrying two mortgages.