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Many buyers are intimidated at the prospect of competing against an all-cash buyer for a hot property -- but does cash always win? First, to address a common misconception: most buyers, and especially those vying for co-ops below $3M, are relying on financing to some extent, which means a majority of active buyers are submitting offers contingent on obtaining that financing. So as long as you have enough funds to cover the minimum down payment amount (typically 20%) along wi