Suppose in a 10% interest rate market, you buy with no interest. Can you see that this is an excellent way to transfer equity from a seller to a buyer. Wouldn't a Single Payment Note be even better? The trick is to get the lender to accept zero interest and/or zero payments. Some times all you have to do is ask – especially when there's any form of distress. On the other hand, more often, on occasion, you've got to learn to be a little more subtle by setting up a structure that can provide zero interest.
Options are an excellent way to obtain zero rate financing because they control an asset without any payment or interest other than the amount paid for the Option. It's sometimes possible to get an Option without any payment at all. Aren't listings, contingent contracts and non-recourse loans a form of Option, since the buyer can walk away without liability?
If I put up Mutual Fund shares as Option Consideration with the right to replace them with equivalent cash based upon current prices, haven't I transferred the market risk to you on both house and stocks? I can make my contract subject to some contingency so I don't have to close. If the stock goes up, I'll sell it, giving you cash while keeping the profit. If it goes down, you're stuck with the loss. I'll close only if the property goes up. I get my deposit back if I don't.