Join Date: Oct 2009
Location: Just south of sanity
If the owner says her price is negotiable, then it is.
If you're truly serious about wanting the horse after you've seen and ridden him, offering her 85% of her asking price is considered normal.
So, a horse priced at $15,000.00 would be $12,750.00 at 85%. You could go to $13,000.00, which would be 87%.
Offering less than 85% of the asking price may offend the owner. If you can afford $13,000.00, I'd say offer that to her if you want the horse.
Of course, all of this is contingent upon the fact that you think the horse is worth at least 85% of the owner's asking price.