What’s a better strategy when buying a house.

Please bear with me, I suck at explaining and getting my point across.

Situation.

The house we want is being listed for $259k and I asked my realtor if we could ask for a lower rate as it’s been there for like 2 weeks, he said he called and they got a really low offer so they didn’t budge so he’s thinking the lowest we can go for is 250k.

Question 1.

Is asking for that lower cost of $250 better or should we opt for concessions instead?

Question 2. Taking lender credit of 2k for higher 6.75% rate and hoping to refinance or should we pay lender fees and paying more closing cost but lower 5.25% rate?

I think we’ll keep the house and rent it in the future if we don’t end up staying longer but we’re EFMP so I assume we’d be there longer than 4yrs.

Just worried we’d be stuck in that 6.75 higher rate if rate never goes down or we can’t refinance as we’re not experts with refinance and stuffs, we barely use credit cards.

Thanks in advance.