No Money Down - Owner Financing and Lease Options

[Kelvin Letron Brantley]

Anyone have any creative ideas to be able to offer reasonable 2%-5% down payment to seller but not have to come out of pocket. I hear people say to put it on a credit card or borrow funds, but can it be done at closing when you have a qualified tenant-buyer secured?

Any caveats to why you wouldn’t just do it at closing always?

Thanks