Owner finance the down payment?

[Jon Mark]

I have found a multi family property that I like and they are willing to consider owner financing with 20 percent down. I do not have the funds for 20 percent down, so my question is has anyone ever paid a higher interest on the first 20 percent, to make up for it. Then reduce it back down once the property is 20 percent paid off? Are there any other ways to get creative with seller financing the down payment? Thanks