But if you're comfortable with rougher areas, then you can definitely find properties at lower prices.

I'd see how next 2 weeks go before lowering the price.

That's another option to look into!

You’re in a strong position with multiple viable options.

If you are hoping that this property will stand on its own with you living in it and not having to put your active income into it, then it might not be the best option for you right now. 

The old adage is "marry the property, but date the rate" meaning that if in a few years interest rates are lower you can refinance again into that rate. 5.

Two years ago, this approach would not have been an option.2.

Say you get to keep 6-7k after tax.I like Option A all day long. 

Both options have pros and cons, and the right choice depends on your lifestyle, experience, and long-term goals.

For smaller deals like owner finance options, it's important to build a strong relationship with the seller, as this often leads to more flexible terms.