Seller carrybacks

[Jeremy K.]

Hello to all...can someone help me understand how a seller carryback works. How does the bank that the holds the main loan look at it and do they even allow this on a commercial loan for a multi-family property? I do plan on putting money down (10%) and setting up a reserve fund but I don't want to put the whole 20% down. I would like to use that for other purchases.

What is the flow of money in the seller carryback? Does the seller pay the bank for the remaining required downpayment and then carries the loan for that amount to me? I assume the bank would factor the second loan into the normal property analysis like the DSCR?

Thanks for any info!