@Carl S. - I'd go with option 2 if I were you.  

Since then I have closed on a cabin in Gatlinburg for a v/r shout out to Avery Carl for all the help!

@Lucas Carl for both my LTR and STR, I never really had to buy advertising.

I also agree with @Avery Carl and some of the others that laying out expectations in the clearest terms in the listing is a good way to avoid problems.

The person who owned them was super wealthy, like near billionaire status iirc. 

@Carl Crump I've thought of this.

@Adam Carl Birgenheier You can always look for another lender to work with to see what other options you have.

What ^^^ Reverend @Lucas Carl said.  

MY name is Carl Lester and I live in Baltimore,md.

@Carl WashingtonYou can do something like the following 3 options:All cashLease-OptionOwner FinancingHere's a sample offer I made 6 months ago on an off-market property:Offer #1: All Cash$120,000 Purchase PriceOffer #2: Owner Financing with Down Payment and Monthly Interest$130,000 Purchase PriceDown payment of $10,000 now, and then $1,000 a month for up to 7 months, at which point you will be cashed outOffer #3: Owner Financing with a Single Balloon Payment At End$140,000 Purchase Price + seller closing costs (title/escrow/insurance fees and excise taxes)We pay all of your closing costs (so you won't have to bring any money to the closing table), and then cash you out within 7 months at the highest purchase price