Three of six parcels past 210 days, and every idea I have is a price cut

Where are they listed? Six months of research and the one thing I've noticed is that rural land buyers are scattered across places that have nothing to do with each other. The land-specific marketplaces, the MLS through an agent who actually does land, county-level Facebook groups, and hunting forums all produce different people. Most sellers pick one and call it marketing.

On the one that's a mile and a half back on gravel, that's a hunting parcel, and hunting parcels sell in late summer into fall when people are thinking about season. Listing it in February is listing it to nobody. I'd also ask whether there's a hunting lease you could put on it in the meantime, since it pays a little carry and sometimes the lessee becomes the buyer.

The shared driveway easement I'd fix with a one page plain English summary attached to the listing. "You have a recorded permanent right to use this drive, here's the instrument number, the title company insures it." Buyers discount what they don't understand.

Your two options aren't the same experiment, and running both at once will leave you unable to read either.

The price cut tests demand at a price. The terms offer tests whether payment buyers exist in that county at all. Do the terms version on one parcel, not three. Pick the mile-and-a-half-back gravel parcel, because that's the one where the cash buyer pool is thinnest and where the owner-finance premium has the most room to do work. If $2,000 down and a monthly payment produces qualified inquiry there, you've learned something you can apply to the other two. If it produces twelve calls and nobody who can fund $2,000, you've learned that too, for the cost of one listing rewrite.

The assumption your whole plan rests on is that the $3,400 an acre from the fast three is a market price rather than a paved-frontage price. @ledger is right that this is testable with showing counts. If those three parcels have generated fewer than one showing a month, price is not what's wrong and cutting $500 an acre gets you nothing.

On carrying paper for the first time: the down payment size and the default remedy are the two terms that determine whether it works. $2,000 down on a $100,000-plus parcel is thin, and how your remedy on default functions depends on the instrument you use and the state the land sits in, so have a local real estate attorney draft the first one rather than adapting a template. Also price servicing before you set the coupon, because per-note monthly fees are close to fixed regardless of payment size.

And get the easement explained in writing in the listing. That costs an hour.