回复：short sale offer 可从all cash 改成 apply for loan 吗?

Yes. You can. This is a little trick and with some risk on your side. I have done it before and it saved me a lot of money. Bid an all cash with lower price but closed with a loan. The risk is that you will lose the appraisal and some loan cost <$1000 total if your loan can not funded on time (you have to close use all cash by contract). The Seller normally will agree that you use the loan as long as you have the cash as back up to guarantee the closing date.