My Niece Wants Me, And Idk What To Do.

So, my niece is only 17. I’m not a pervert, but she’s becoming VERY sexual around me, and texts me all the damn time. Don’t get me wrong, she’s extremely hot. Like, perfect bubble ass, hot face, long legs, and the way she talks makes me fucking hard but I’m not trying to be THAT guy. She’s gone far enough to text me a nice ass pic and say “whoops that was for someone else!” on three separate occasions. She caught me smelling her panties once, which I regret doing but her ass really is nice and it smells really good on her panties.. Today is what made me actually want her though..

I got home and was under the impression her and my sister in law were here doing laundry. I didn’t see her moms car, and thought no one was home. I like to masturbate after work, so I was laying in bed jacking off, and she walks RIGHT in and doesn’t hesitate to ask “can we fuck real quick?” I jumped and immediately lost my erection. I mean, her shorts were off and everything. I told her no and she kind of scoffed but she went in the other room and started playing with herself. On her damn knees with her ass spread in the air facing the doorway. Literally no shame, and it’s hard because she doesn’t turn 18 until June 2022.

Idk what to do, because I know if I went for it she’d totally give it to me.