When is the best time to ask for seller financing??

[John Menton]

Just curious as to what others approach has been, have you asked if seller is interested in financing right off the bat or wait until you've begun negotiations? I have 50k cash I can put into a deal which isn't that much here in Massachusetts. This translates to me putting in about 5% down. I've found a few nice properties but don't want to waste anyone's time if they aren't interested in financing 20% (if bank will do 75) or even 95% owner financing. Thanks for any feedback!