You have to own your property free and clear. (Own Warranty Deeds) 10% down payment on a residential mortgage note 30% down payment on a business mortgage note
If you have a buyer that want buy your property an agree to the terms. Then you set-up a mortgage note what we call a "Owner-Finance Note". Now you file the terms and agreements to the local court house where the property is located. (The city or town where the property located) Ask any Real Estate Attorney, Title Insurance Company how to set up a own-finance note or (Private held Note)
Here the benefit to you as a seller you could get cash off your note after (3) months. this is like a equity loan off your home that you DON'T have to pay back.......