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Competing with all-cash offers is making it difficult for those entering the housing market.

Along with brutal mortgage rates, buyers face stiff competition from others paying with cash.

However, experts say the number of homes purchased with cash is starting to fall, making it easier for those without funds to secure a home.

To beat all-cash buyers, be pre-approved for a loan, have a down payment ready, and let the seller know you plan to live in the home.

This will give you an edge over investors and prevent you from wasting your money.

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