Ask if they will finance taking a 10 or whatever year note. No harm in asking,
I would jump at the opportunity. Where is the property located? How long are they willing to carry the loan? APR %? Etc....Etc....Lots of unanswered questions, however I would not turn it down. The key factor, you being the negotiator, if you feel strong in this position and if you do not. reach out to a real estate investor and negotiate a percentage you are willing to provide for their service. I would reach out to a local real estate broker and pick their brain or even reach out to a lender and ask them about the different options they are throwing out at you.
You can do what’s called a non-agency product where they use alternative income sources such as 12 months average bank deposits, or no ratio program or DSC (debt service coverage) or you can do a conventional loan as an investment property and use the net rental income to qualify with. Feel free to message me, I close in all states