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[{"id": "hvrucik", "text": "Just make an offer and see what they say. Your downpayment doesn\u2019t seem unreasonable to me and may be fine. I\u2019d go with a 5 year balloon and pay it off at 3 if you can. If not you still have 2 more years to figure something out. I\u2019d probably ask for 20 or 25 year amm also, again why not. Help your cash flow and really doesn\u2019t matter much to the seller, he\u2019s out in 5 years.", "replies": [], "depth": 1}, {"id": "hvt5yfa", "text": "Given the times. If the buildings been for sale for 200 days ask him to take your down payment defer any more payments for 200 days. You never know how desperate he is.\nThen offered to pay them off the difference over 12 months.\nYou will definitely get a conversation going and get a feel for what\u2019s possible ))", "replies": [], "depth": 1}]