how do i find someone that will owner finance a multi family?

[Devin Mann]

the only way to owner finance a property is if they own it outright, right? so i would either need to pay them the difference of what they owe or they already own 100% of the propertyy

[Kevin Fox]

As the previous poster touched on, in order for it to be a true "owner financed" deal, the owner must have 100% equity OR your down payment must be sufficient to pay off the remaining mortgage and they agree to carry back the remaining balance. 

If you reach an agreement to take over the remaining payments (normally on top of a sum/stipend being paid to the seller to buy out their accrued equity), you are entering in to the "subject to" arena. 

With that said, the only way to find someone who will allow you to purchase their MFP subject to or with owner financing is by asking. 

Before you do, though, be sure to shored up your understanding of whichever non-traditional financing strategy you will be pursuing. Being able to clearly explain the nuances of either method and knowing how to frame the "benefits" to the seller will go a long way.