Cash... Very few allow you to do financing.
At the point that a property is a foreclosure or gov repo, the property has been festering on their books and has been toxic to the holder. For example, I did a bank repo and the property had been on their books for almost a full year. The bank had to pay taxes, lawn care, electric, water, absorb thousands in losses, etc... I paid 1/3rd of the original price and even the bank stated that they wanted more. The bank wouldnt have wanted to keep it on their books and continue to look at it while giving me a loan. Even if they would have gone with that they would have asked full price.