Snaker has your possibilities listed correctly- You've located the likely culprit- rear disk brake. Can you post some pics of the the brake- follow the line to the master cylinder and take more pics. Also get pic's of the axle bearings too. I'd suggest freeing the disk pads by prying the caliper open with a large flat head screw driver but you've got to be very delicate with the pressure so you don't warp the rotor or damage the caliper & pads.
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