Seller Financing--sweeting the deal ideas???

[Rebecca Cramer]

We were interested in some land to build a vacation home. We found the land we wanted on the MLS asked a seller if they were interested in seller financing. We already have two other rental properties and cant get another mortgage at this point traditionally. They sellers said they were open to seller financing. Using a realtor we sent them an offer and then they came back and said "no seller financing" after they "talked to their financial advisor". We sweetened the deal upping the down payment and the interest. They continued to say "no seller financing".

Its been about 5 months and they still have not sold the land. I want to go back to them and see if they are interested again in seller financing. Im wondering:

1. Is it Kosher to try to contact them directly and talk about doing a deal outside of realtors? We found them on facebook. 

2. Is there a way I can sweeten the seller financing deal to them? They asked 300,000k. We offered 7% interest, 15% down, one year and a balloon payment due, and 279,000K.

Thoughts?

Thanks!

Rebecca