if i call a bank do i ask for non performance assets dept or reo dept

whats the best thing to say when putting in an offer with a bank, and what not to say, 1 bank owned home in my area sold for $209000 the bank asked for 230000 i called to put in an offer of $140,000 they never called me back, someone beat me to it, now that person who bought all ready has tenants getting rent money.

now that person who bought all ready has tenants getting rent money.

But are they making money?

Good deals in REOs are always competitive: the banks reserve the right to accept any offer, regardless of the order that they come in.
The only thing you can do is keeping a close eye on their REO lists (easy if they have a website) or work with an agent who is active in REOs and let him/her handle the deal.
Also if you deal with the bank, cash talks. Send a proof of funds letter with liquid capital, before you even send in the offer, so they know you are a viable buyer.

can you make an offer on an reo and tell the bank i will close within 14 to 30 days is that possible, if i cannot find a cash buyer within that time period i will use the clause for protection.

This is why most banks don’t accept assignments on reo contracts, they don’t want someone tying up a property that only hopes to be able to sell it to someone else