When you buy on a mortgage you also have no negotiating authority to get a good price on the home.
4% money is a close to free as I can say I ever experienced. That is lower than a passbook savings account from the 70s.
Great advice... when one is paying for an existing mortgage, AND paying a lease at our new location. Exactly what money am I suppose to save at this point? Sorry, but there is none.
As to your second claim regarding negotiating - that is blatantly false. Might a cash offer be somewhat more attractive to sellers, particularly those who are motivated by a schedule (such as our own position trying to get out from under a home where we no longer live) - certainly. But I’ve seen lots of successful negotiating that a mortgage (or lack thereof) made no difference.
My wife is a loan assistant/processor - so I’m pretty acquainted with how the system works.