Bypassing Redfin and the Listing Agent... good idea?

[Seyi A.]

Hi BP Fam,

I recently found a potential deal on Redfin and went to tour it with a Redfin agent. The listing agent (someone else) was not there for the tour. I am still running the numbers, but think there's a deal to be done... but one that will depend on owner financing and/or a JV (equity split at resale) with the seller. Given that most listing agents for residential real estate seem to be... not exactly experts when it comes to creative financing, is it a good idea to try to reach out to the seller directly? I'm a little concerned the listing agent won't even transmit my offer if he feels it's too complicated. Are there any downsides to reaching out to the seller directly? Thanks in advance.