Owner finance the down payment?

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I have found a multi family property that I like and they are willing to consider owner financing with 20 percent down. I do not have the funds for 20 percent down, so my question is has anyone ever paid a higher interest on the first 20 percent, to make up for it. Then reduce it back down once the property is 20 percent paid off? Are there any other ways to get creative with seller financing the down payment? Thanks
@Jon Mark The seller needs you to have "skin in game". If the rest of the numbers work you could bring in a partner that has cash. Another stratagy I like is to pay cash for 20% of the units if seller will finance the rest. Maybe they are on separate tax ID numbers or you can divide. Then borrow from private lender to close the 20%.