Is full asking price for seller finance too high?

[Shequila Hamilton]

I am looking at my first deal and wanting to ask for seller financing (I attempted an FHA Loan but my student loans are hurting my DTI). There is a single family home listed in a decent neighborhood with a basement area that has a private entrance. I originally want to seller finance and refi out later on after making minor improvements. The asking price is $75,000 but the comps that I pull are estimating $55,000. I’m new so I’m not sure if these numbers are correct but I’ve done generally searches on multiple sites and 55k is about where they all land. I’m wondering should I offer his full asking price to make seller financing more obtainable or should I shoot for closer to where my “unprofessional” comps are and try to save money? Looking for advice as this is my first purchase. THIS WOULD BE AN OWNER OCCUPIED HOUSE HACK SO IN MY OPINION THE PRICE ISNT A HUGE FACTOR. Anything cheaper than rent ($800 a month) would be a win in my opinion but at the same time I don’t want to be screwed into something I can’t refi out of. Please help!!!!!! Thanks in advance for sharing your thoughts, Shequila Hamilton