Sounds like you have made up your mind so only you can decide what its worth to you. With that said, you should know just because 4 other offers came in, it doesnt mean yours is the lowest. In fact, it could be the highest. The banks will ask for last and final to all 5 offers to see if it changes anything. Around here, a realitor will not tell you what the other offers are, in fact, Im pretty sure thats against the law.
Its also worth noting that although its standard practice to ask for last and final when the bank is ready to cut loose of the property, its not set in stone. They could be asking for a final offer from all 5 of you and still say no sale.
If you are in a position to be paying cash, you could submit a large check for earnest (Think large as in $25,000), no contingencies other than clean title and a 2 week close (as long as your title company can do the work that fast). Make your offer stand out. Heck, if you are all cash, submit your full offer (whatever you decide to pay) with a 2 week close. For banks, cash talks and a short close really turns them on, even though they are never able to follow through that fast. They will delay it but its on them and it works fine. With banks around here, all cash and a quick close will beat a higher offer every time.
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