How does one take the owner finance situation to a bank and turn it into a 30 year loan to hold without an additional down payment of 20 percent ?

My goal is to sell $50 million in real estate in 2025. 

I wouldn't have to worry about anything.

They also passed a state law that any R 1 lot can now be a duplex but this has not moved the needle much duplexs of new construction still cost far to much to build given land cost and building cost to be quote un quote affordable.

The overall inventory is higher due to the season.

I'm looking every day there. 

You cram all your responses in to one post and save time/effort @user2That way you can thank @user3 for his commentTell @user4 their comment was uselessAsk @user5 to elaborate on what they meanAnd so on to @user6 and @user7.  

@Toby FellowsGet an attorney and have them complete the process for you would be my recommendation.While it is something you could do, I always recommend spending a few hundred bucks to make sure it’s done and done properly

Mailchimp also I believe is free up to a specific number 

To evaluate Real esteate deals for creative financing, start by identifying seller motivations i.e. financial distress, desire for passive income, do they need a downpayment on their next house, etc  and property factors like equity or existing financing terms.