How to convert a MLS to creative terms?

[Will Parks]

Reasons why I think I have something to offer:

-property sat for 4 months with no accepted offers, was taken off the market for 4 months, and now is back on the market for the same price

-I can give them the price they want, which they seemingly have not even come close to if the property has not sold yet (property is a 4 bed 5 bath on a lake, non-distressed)

-I believe they will have a big cap gains tax upon sale so creative finance could help mitigate that

-without working with a lender, the transaction process is easier & faster

-possibility of giving them interest each payment

Reasons why this might not work:

-seller is under contract with an agent, to possibly do seller finance my understanding is I would need to pay the agent a commission upon sale

-seller is probably not even receptive to seller finance if they are selling on the MLS

-without being able to talk directly with the seller I don’t know if they have a strong motivation or pain point

Do you agree or disagree with any of my points? Is it sketchy to try and reach out to the sellers directly and tell them we can work something out with the agent? If anyone has converted MLS to creative I would love to hear about it!