Doing a DSCR refinance to avoid down payment

[Ladeg Mulb]

Hello biggerpockets

I'm looking at buying a home through seller financing, and the seller doesn't want to hold the note for too long. My question is as follows: can I do a DSCR refi in a couple years and take out a loan that amounts to 80% of the home's appraisal?

I know that a DSCR loan to purchase a home has a 20% down payment required. So I'm wondering if the same applies to refinancing, or is this a way to bypass a down payment.

Also, does anyone have any other ideas on how to get creative with a down payment?

I’d appreciate any insight, thanks in advance!