I currently do not have any student loans, car payments or other debts besides my mortgage. 

So my counter-offer was that I would pay them a small down payment, and have a contract saying that I must pay them in full within 18 months.

She's expecting to receive a job offer, currently unemployed but has  a good payment history.

@Jena VailThat is how we prefer to sell owner financed is the 10/10/10 rule(10% down 10% interest for 10 years)We have modified this in instances for larger or smaller down payments or changed amortization but had a ballon

2) You did not ask for a PAYMENT PLAN IN WRITING WITH SPECIFIC PAYMENT DATES & AMOUNTS AND COPIES OF PAYCHECKS!

You should also be putting in a buyer who is very financially stable and will be competent in taking over the payments.

Also, at least in my area some handyman will do work and accept a payment plan, so maybe see if this is possible in your market. 

If you mail, be sure to mail to the correct address which can be found on the instructions (first result on google if you google "form 4868")If a payment is due with any of the above, you can include a check with your mailed form, or you can pay directly through the IRS DirectPay system and select "extension" as the reasoning for the payment.

DSCR loans are based off of down payment, credit score and either actual or market rents so it helps to supercharge an investor's real estate goals and net worth.

Original Purchase Price$305,000Down Payment$28,793Closing Costs$11,527Rehab Costs$80,500Mortgage Costs$30,056Utilities$1,275Taxes$2,729Insurance$1,251STR Furnishing$10,142Total Costs$125,953LTR Income$7,000Net STR Income$21,234Total Income$28,234Total Capital Invested$109,246Appraised Value$540,000Loan LTV%70%Loan Amount$378,000Mortgage Balance$325,148Closing Costs$9,805Cash out$43,047Net Capital Invested$66,199Starting Equity$133,207Value Created: $67,008Hours Worked: 595Hourly Wage: $113I was only able to refi at 70% LTV, so I left $66k in the deal.