Appraisal dilemma - what would you do?

[Lora P.]

I have a contract on a 4-plex. I offered $130,000, and that was accepted. The problem is that the appraiser valued the property at $106,000. The owners won't sell at $106,000 and offered to owner-finance the $24,000 shortfall at 0% interest. I have had contractors, a fellow investor, and my own realtor vehemently disagree with the appraisal. They think that $130,000 and under is a good deal. Would you move forward with owner financing or would you put the most weight with the appraiser and stick hard and fast with the appraisal value?