Looking for a 1st lien on owner finance wrap deal

[Benjamin Voorhis]

So I have a home that I am wanting to owner finance to a neighbor. The deal is good, 15k over the appraised value is the sales price (130k). The neighbor will put 15k down and then pay 12% on a 20 year note.

The issue I have is the loan is currently going to be in a friend of mines name for 92k at 6% on a 10 year note. The friend is wanting his money back within a year, which I could pay back in that time but means I will forego all other investing.

Is there any bank that would take this mortgage on? Is it worth inquiring about considering the due on sale clause most mortgages have in them? I would love to just have another mortgage come in and pay off my friend, so that way I can make the spread on the house while also investing in other deals.

Thanks!