Lender plus Owner Finance on an STR - is it possible?

[Evan Holly]

I have an opportunity for a solid STR in the Catskills of New York, but it has a few hurdles. 1. It's rural 2. It would be an STR 3. The owner is willing to finance, but wants a 50% down payment (75k).

I've asked around, but so far have had most people say it's too rural or they won't allow a lien against the property behind their own.  Am I searching for a unicorn lender?

To be clear, I'm trying to put no money down, having the lender fund 50% and the owner "fund" 50%.  It's not because I don't have the money for a down payment, I'd just rather save it if possible for another deal. 

I would love to hear of any similar personal experiences, advice, or lenders out there who might be interested in this deal.

Thanks BP!