Getting over this hurdle

[Charvick White]

I've found a few good deals that offer owner financing but I still feel stuck.  How do I get over the hurdle of coming up with the large down payment. 10%, 15% and 20% are really large numbers when we are talking a half a million or more. Can anyone tell me how they have achieved this, I know partners are the obvious option, but I feel once I start the negotiations the clock starts...... Right?