But if the seller holds firm on asking price of 130k, what are some creative ways to structure owner financing that can be a win win?

Sometimes I'll lose, sometimes I'll win.

Try establishing a relationship/rapport first, determine motivation, and try to find a win/win deal based off what you uncover.  

This creates a WIN-WIN Situation and gives the Realtor incentive, to work harder on your behalf.

:P  I travel a lot too, which is a personal win but a financial loss (I hardly have savings) and I'm thinking... maybe I want to travel and flip?

Bathroom isn't terrible, but the off-white tub/toilet/sink instantly date it. 

Helen Keller"The price of success is hard work, dedication to the job at hand, and the determination that whether we win or lose, we have applied the best of ourselves to the task at hand."

This was a technique used to win business.

People will even go so far as to make up fake names, facebook accounts, and yes they will even fake photos and Bigger Pockets accounts to attempt to slander your name.Just stay true to your own moral fiber, know you are doing right for your family and in the end, over time, truth always wins out.

You want to build a list of REPEAT customers so that everyone wins.