Using HML+Seller Finance?

[Eddie Starr]

I'm looking at a scenario where a HML will lend up to 65% LTV in 1st. If the seller owns their home, free & clear, I understand that they may be open to seller financing.

However, if there's a mortgage, and possibly a realtor, the seller financing may not happen, mainly due to the due on sale clause.

With this scenario, what are my options, to get the deal done? HML to serve as a good down payment, realtor commission (if one is involved), and closing, with the rest being in a lease-option/purchase, land contract, or something else?