You'll have no problem finding either easy financing through most lenders but in many cases you'll save a little more with owner financing. I think the bonus may be if you select the right property...the income earned will pay off the 20% you borrow.
I've lived on Sanibel for over 30 years...I know pretty well!
Check my site...you'll see everything easily.
Bob Radigan Realtor
VIP Realty Group, Inc.