Lender & Seller financing with overages, how to?

[Michael D.]

Has anyone successfully structured lender financing AND seller financing together?

The situation I'm currently dealing with is something along the lines of the following:
i.e. the deal is 1MM, the seller finances 50%, lender finances up to 80% LTV.
I'd like to take advantage of the additional 30% the lender is giving to make repairs, have a buffer, etc...
But I'm assuming once the lender knows there's owner financing they won't finance 80% LTV anymore but less  (or just the 50%).
Things get tricky with 1st lien and 2nd lien holders I'd imagine.

Has anyone run into something like this? If so how did you structure it/make it work?

TIA!