How to properly offer lease to own

[John Robert Stuart]

Hi there!

I'm not exactly sure how to ask this so please have a look at my example:

I have the ability to buy Prop A for $20K. I'll take a mortgage to obtain it from a bank.

I have a buyer that wants to Lease to Own, that is willing to do so for $25K. Essentially wholesaling my mortgage for an extra $5K since they cannot obtain one.

How do I obtain the $5K differential? Do I just ensure that I charge a rate that nets me $5K more over the life of the agreement? Do I re-fi with the new amount somehow?

Thanks!