Also, from my understanding, as long as you're not making a massive career change, once you have your job, if you can prove that you've had sustainable income from this career for the past 2 years, you should be fine to get a loan after you start working at your new job.

Retail or commercial?

And, yes, you could instead just hold it until October and try to sell retail for more money, but there are so many additional risks with that approach.

@Peter Adams Owner financing 10 per cent down, pay full retail, get good rateFind a good negotiator buyers agent to help you with the terms and offer to pay his commissionUsually the best owner financing deals are people that want to sell a property it's free and clear of loans and they want to look at owner financing installment sales.

It's more for your protection than any massive tax advantages and well worth while.

Financed with a 30-year, you should be OK at $110,000; possibly a bit more as a retail long-term hold

This guy is simply a real estate agent who buys property (most likely undeveloped land) at retail prices and rides it out. 

One of them most likely wants retail so I referred it out.

Reason is not too many agents work with investors, they would rather sell to retail buyers for the commission earned.  

Its not participating in bidding wars with retail buyers.