Owner financing off the MLS

[Andrew B.]

I have a goal of buying a duplex and living in one side and renting the other side. I have no money currently so I am looking to do an owner finance deal with a small term for OC and then refinance it to pay off the seller. (I would be happy to just do owner financing for the whole term too if that turns out to be an option with seller).

I have experience and knowledge on how to talk about OC deals and how to structure them, however finding them is different. I have found a couple duplexes on the MLS that would fit my criteria but there are a few issues.

First the Realtor! I have structured a few deals directly with the seller. I can find out whats important to them and what they need or want... but with a realtor involved there are a lot of unknowns and lost in communication issues.

Ok... so my questions are: 

How do I propose this to a realtor and have it actually work? 

As Im not a realtor and have no realtor representing me, how do i gain access to seller (if at all possible even)?

Has anyone done this before?

Any ideas on how the realtor would get paid? (my thought would be the seller could pay him a small amount monthly til the pay off or its just deferred payment when the refinance happens)

Im new to bigger pockets by the way, so this is really exciting to have somewhere to ask any questions at all. Ill be interested to see what responses come back. Thanks everyone!!