Do I buy this one or wholesale it? $40k price, ARV: $100k owner financing

[Belinda Lopez]

Just left an appointment with a nice lady who is selling her home for $40k. She told me she could owner finance with $10k down and I can pretty much name my own terms. ARV on the house is around $100k, needs about $5k in repairs (roof, interior paint & flooring). I can probably wholesale it at $50k for someone looking for good rental or I could take the owner financing, do minimal repairs and owner finance it out with a wrap for a nice cash flow. Would like some feedback on whether to just Wholesale or take the plunge on my first rental property or owner finance it out?