I'd do the same as FlyGap. With the horse economy the way it is, $4000 for a TRAIL horse is expensive. Anything over $2000 IMO is expensive for just a riding companion. There are so many under $2000 that are available. Which would work to your advantage because most people aren't going to go over $2000 for a trail horse. And they have her priced at double that, over double actually. So chances are, she won't sell too quickly unless she has a super nice pedigree and would make someone a good broodmare. But even then, there are so many cheap broodmares with nice pedigrees too!
So I as well, would take cash, many many references from friends, vet, farrier etc. and GOOD photos of your land and barn and other horses and make them an offer that they can't possibly refuse. Many people that truly care about their horses, aren't out to make money. If I had a horse listed for $5500, and someone came to me with all of that stuff, and it seemed like the perfect home, I would not even turn down $3500. As long as I felt the horse had a good future ahead of them, who could turn that down? Someone with the full $5500 might be a complete a-hole and treat her like crap. You just never know!
"The greatest pleasure of a dog is that you may make a fool of yourself with
him and not only will he not scold you, but he will make a fool of himself too."