Financing options for the MLS

[Scott Arno]

Hi everyone,

I'm severely new to real estate investing and and ran into an unknown. For instance, I found a duplex listed on the MLS but would rather not use any of my own money for a down payment. I understand the basic principles of subject-to, lease options and seller financing and I was curious if there's harm in asking the owner (based on their selling situation) if they'll consider a subject-to, lease option etc.? If its not a problem in asking, do I ask the real estate agent to ask the owner or contact the owner directly - how would that work??

Please let me know if you need more details

Thanks,

Scott