Jblindy,
As far as what concerns me about the coin, it's the coloration, the chalky appearance and the way the letters look on the reverse. The letters almost look like they have some residue or shading around them....I don't know how to explain it better than that, but in my experience that kind of appearance is a sure sign a coin has been cleaned. I've seen many Morgans with that look in my time and they've all been cleaned. The chalky appearance is also a concern.....a natural, toned MS Morgan won't look chalky. It will still have luster even though it's toned. And chalky isn't a natural look for coins at any grade. Once again, chalky is a sure sign of cleaning, in my experience. Like I said before, I'd strongly urge you not to purchase this coin.....I definitely wouldn't. I really think it's been cleaned with a chemical agent at some point and everything you see is a result of that.