@Max Bellino For smaller properties like your 2–4 unit multifamily buildings, an online cost segregation study is a quicker and more cost-effective option, providing sufficient accuracy for straightforward properties.

@Enrique Toledo  If the seller is firm at 10% down, you can always get a personal loan for that 10%. 

We have modified many seller financed notes over the years (with input from the servicer and a qualified attorney as mentioned by others). 

I was thinking if I can do creative finance with seller finance deals this may be a way to help me get where I want to be.

So my question is this, how do I find seller financed deals? 

Well worth it IMHO given poor performance of RTO/seller financed zillow listings. 

I'm in the process of vetting some seller financed deals for my solo401k portfolio.

Instead of discussing the possibility of owner finance with sellers - what if I offered the opportunity to  JV where they are the equity partner?   

Maybe she’s financially illiterate and won’t see what a scam your seller finance offer is, but she did have $100k laying around to buy the property, so probably not. 

This is my first commercial deal and 2nd seller financed deal.