Owner Financing Down Payment

[Derek Gansebom]

Hello! What are my options for coming up with the down payment for an owner financed deal? The owner is wanting 20% down. I currently only have enough capital for about half of the required down payment. Can I use traditional banks or hard money to fill the remaining required down payment? Thank you! 

[Joe Villeneuve]

Offer them a higher interest rate for a lower DP.  1% higher should be enough.  Do the math and show why this would be more profit for them than the higher DP.