Adjusting Purchase Price and Interest Rate with Seller Financing

[Eben Rohling]

“A property is worth what someone is willing to pay for it”

If you can secure seller financing, would it make sense to offer a higher purchase price in exchange for zero percent interest? If you adjust correctly, you could end up having the same monthly payment and principle balance 3 years down the road, except that it will look like you have more equity in the property to refinance.

What would be the downside to this approach?

Is it even legal?

Hopefully I explained it correctly and it makes sense.