The owner financing is different because the seller must not own an mortgage on most owner financing or payoff the loan at closing. One of my first sales twenty years ago was owner financing because the property had more land value with seven acres than the home was worth. It all worked out with a 50k down payment and the bank agreement to loan the new owners within a few months. Most owners financing is not for a long period of time shorter than the banks loan in most cases. Every home is different so call/text or email 704-763-4486 JudyOsborne@pinevilledsl.net and we will find out what you can offer to the seller.