Originally Posted by Sly

It's a standard negotiation deal. I have done these to other people, other people have done these to me. It all depends on whether or not you think you can sell the item at full price and if you want to deal with the hassle of maintaining the deal throughout that stretch of time. Also consider whether or not you can do something more beneficial with that cash right now instead of stretched out.

If you don't need the money and can rent the property out easily, you have the upper hand. No need to make the deal.

If you do decide to take the cash up front, counter with 5% or less for 6 months, 10% for 12 months. The other party's offer of 10% is them pushing the limits and testing you out.