Ways to seller finance my property with 20% equity?

[Jacob Song]

Hello, thanks everyone for reading my post. I have questions to both Investors and lenders.

Investors, How do you usually owner/seller finance your home which is not 100% paid off?(example 20%~25% equity) with out causing too much trouble with lender? are there more than one way to do this?

Any lender in Dallas/Austin Texas area can help me if there are any programs that is okay to 

sell my property that is not own free and clear? 

Thank you very much!

- Jacob