It is really hard to compare apples to apples here because seller financing allows you to do more or less whatever terms you and the seller agree to, that could be amortizing over 30 years or it could be interest only over 3 with a balloon at the end, so you can propose different structures to get you where you need to go.

We would be looking in the Philly market.How would you recommend structuring this partnership?

As a result to the (oftentimes unwarranted or at least exaggerated) fall inn their stock prices, their current dividend yields are abnormally high and sometimes very big so it might be a great time to lock these in.

While I dont know the details, here is some info for the gift of equity loan structure.... this info is what the mortgage folks would be using.  

I never intend to live on this property but would either like to find something with a house already on it or ultimately we will put up a barndominium or some other unique structure to use as an airbnb.

One way to structure this is to pay the commission on the sale, and get a credit equal to half that commission on each of the subsequent deals.Many agents are willing to do this, many are not.

Or maybe find a partner who would buy with you and then you can structure an agreement where you buy that partner out over a specified period of time, with periodic payments or something agreeable to both of you? 

I want to ask her to purchase but I do not know how to go about doing so and structuring it so that we both benefit from the deal, any ideas?? 

@Sean Oh If it is an illegal ADU for an original permitted structure (i.e an original detached garage) the process for getting it legal is doable.

This does not appear to be a good deal for a buyer who has the ability to qualify for conventional loan terms.The seller has structured a deal that allows them to net more money through a combo of factors, including the price, the above-market rate, and the loan terms.