Transactional Funders will need you to have a buyer under contract that does have non-refundable skin in the game. 

This is because it's more risky for them because YOU have less skin in the game and are more likely to skip out on the payments statistically.

A bank would probably be happy financing 75-80% of this deal with the seller picking up the rest, although they say that they want to make sure you have skin in the game, they want to be in 1st mortgage position and make sure they don't have their neck's out too far.I would first run your numbers and see if it even makes sense to pursue prior to asking about owner financing or carry back.  

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If this goes badly, I want his skin in the game, too.  

I'm ready to plant down anywhere that cash flows are strong (and there's not extreme racism – I'm dark skinned).Goal is to achieve the 2% rule or maybe even better.Here's how I plan to find such areas:1. 

With his assistance by using that house as 'skin" for me to get funding in leverage against my credit, any funding that can obtained at a fair LTV is what I'm after.

I inquired on financing for a 12plex and the lender, a local bank, offered several options, one of which was pledging one of my free and clear 4plexes as collateral for most of the down payment, and then about 5% cash from me to have some "skin in the game" (his term).I was unaware of this option, and thought that was pretty aggressive.

You learn to get thick skin though, now I have to laugh.