Since we just got the certificate of of occupancy literally two weeks ago,  we are looking all options to maximize return on investment. 

Yes, but the 3rd option is I pay the remaining seller note principle in cash via my own savings/lines of credit. 

The owner has taken it off market and I'm just trying to explore my options of selling it off market for a deeply discounted price.  

If you’re not already using similar software, I’d highly recommend exploring these options—they can save you a lot of headaches down the road.

While I own quite a few rental units already, I thought condos might be a good option to gift to my kids when they turn 18, offering them a safe introduction to property ownership without too much risk.However, my challenge with investment condos is that the cash flow always seems terrible.

They each offer very different options, and each have different STVR rules as well.  

The other option that I talk about with a lot of the investor that I work with is investing in a turnkey situation.  

If I were you keeping the property as 4 units and renting out bonus unit under the radar may be your best option especially if you plan to refi or do HELOC while occupying. 

If you have the legal right to terminate, it would be a better option.

As noted, commission are always negotiable as are brokerage options (full service to discount companies that pretty much just post it on the MLS and you work with all calls, offers, etc) and an agent can go over likely net out scenarios with you and give you an idea what you likely will be able to net after closing expenses and paying off the mortgage balance.