Question about transcripts & matching

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Question about matching. Im an IMG (non carib, US citizen) looking to apply this cycle with one issue. my final exams are oct-dec ish which is IV season. My uni does have a system where they let people who failed or couldnt sit for exams do retakes in around february. i was thinking of just not sitting for finals and going to do IVs in the US, and then just retaking my finals later. my question is how bad will it look on my application if i havent done my finals? basically trying to decide between taking finals on time and applying next year or sitting for retakes and applying this year. thanks in advance!