How Would You Structure This Wholesale Deal?

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I have a house under wholesale contract in which the owner has agreed to sale the house to for $63,500 with $15k down on a 10 year note at 6%. The homes has an ARV of about $100,000 and needs about $4k-10k worth of work, I have agreed to pay closing costs in the contract and we both will split prorated taxes. I have marketed the house for $72,500 and have an interested end buyer with $20k to put down. I know he is going to want me to go down a little on price and have already decided that $68 is as low as I am going. I would like for the held note to be serviced by one of the mortgage servicing companies that requires forced placed insurance.

I know that the owner is planning on selling the Note at a discount after the deal closes because he wants a lump sum instead of waiting on a payment. How should I structure the deal with my buyer, who is an end user? Also, what are the names of a few of some of these companies that service mortgages that are owner financed. I have been told that there is a very good company that forces insurance and charges an $18/mo. service fee.

I think the owner would be more receptive to a straight cash deal or a straight owner finance instead of some type of option.