Seller to Finance Down Payment?

[John David Hall]

My wife and I just got married and are trying to get 3% for a $375k deal in Nashville. The home is a ranch style home with a finished basement that is completely separate and acts almost like a duplex. The basement is nice enough for my wife and me to live in the bottom and rent out the top with a permanent rental potential of $2500/month and an Airbnb potential of $4k+ depending on the month. This home has been on the market for almost a year and I was wondering if I could just ask the owner of the property to simply finance the down payment as part of the deal instead of negotiating the price. I estimate this to be around $15k roughly (3% + closing costs). I would love to know if this is feasible or if we should just wait until we have the $15k which would take us roughly another lease term. Thank you for reading this and for your time.