Very well qualified borrowers can often obtain favorable terms from their existing banking relationship and sometimes even borrow against non-real estate related capital assets such as money market, life insurance or investment accounts.

I believe Raleigh has favorable macro-economic factors, yet is still semi-affordable compared to other hot markets such as San Diego, Denver, and Seattle. 

This was 3 years ago and the seller ultimately decided to refinance anyway because rates at the time were more favorable but I believe for illustration purposes, that's the conversation you can have with your lender.

Together, we negotiated favorable terms with the seller, ensuring a beneficial deal.

Together, we negotiated favorable terms with the seller, ensuring a beneficial deal.

Together, we negotiated favorable terms with the seller, ensuring a beneficial deal.

Together, we negotiated favorable terms with the seller, ensuring a beneficial deal.

Together, we negotiated favorable terms with the seller, ensuring a beneficial deal.

If those work in your favor, and you got the fortitude to invest then keep going.

I would like to go forward with the seller financing route if I am able to get this property under contract for favorable terms for me.