Best route to refinance an owner financed or CFD sale

[Hoa Nguyen]

Hello all, wanted to pick some brains for my owner finance investors. I've secured some owner-financed properties on 7-year balloons. Planning ahead, I want to know what you recommend when it comes to refinancing. There's obviously the conventional route, but the whole reason I approached these deals with this financing was to avoid the 20% downpayment needed. When I refinance (or technically purchase) the property down the line, is there a financing route that minimizes those downpayment costs? Or do I start budgeting now?