Three percent below doesn’t strike me as inherently aggressive after 105 days. Keep the explanation factual and short: time available, updating required and the limited completed-comparable evidence supporting the full asking price. Then emphasise financing proof and timing flexibility.
I would...
The intended use matters. If this is an investment, lease length, realistic rent, service charges, maintenance and vacancy assumptions deserve more weight. If it is primarily a home, layout, parking, outdoor space and the particular location may justify a price that the rent calculation does not.