Also, if it has been on the market for that long- over a year, then I would offer a much lower cash price.You didn't say what the rent was either? 

Over time, I suspect I will become more conservative and have more equity in my properties, lowering the RoE but also lowering risk.HTH

Also, say the economy tanks or the interest rates are just really high after the reset, I can ride the storm out better I would think with a conventional loan since it would require lower payments than the conventional loan.

I may have to lower prices a little, but my properties attract couples and small families in an affordable, drivable destination, and I have enough margin that I can ride out a drop in price for awhile.  

In lower income properties you can grab a 7.5 sometimes, most hover around 6.3.

Generally, only the lower ranking folks stay near base due to prices.

You don't need to give her a time frame.

It won’t lower any of your monthly payments.

With cash, your holding costs are MUCH lower so a delay isn't as costly.

So my options to lower my monthly payments are limited at best.