Should I Be A L/O Purchaser In This Deal????

Seller does not want to show sale of her property (SSI issues?) so she wants to carry some paper for awhile. Anyway, I was going to ask her to carry my 40K down payment with interst for a term(?), plus I'll pay the balance via bank mortgage. Would I be better of leasing to own the entire place with no down? Please expalin.

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