Lease Option Option Fee and the seller

[Tiffany Grace]

I have spoken with a few sellers regarding terms and they always say they would like a pretty hefty up front lump sum payment. I advised I charge 3% option fee and the seller advised they are getting basically nothing if I get a 3% option fee. She even said usually a downpayment is 20%. I did advise that it's not a downpayment but a fee giving the buyer an option to buy. It seems that they either want way over 5% or they want to split the option fee some kind of way. Can someone please help because I'm not sure how to go about this with some of these sellers. I thought I collect the option fee as my payment, but I'm not sure. Thanks alot