We had a meeting today with a mortgage broker because we are starting to get into doing sandwich leases. As we were talking to her we ended up on the topic of after the lease period is up and the buyer decides to purchase the property and in order to do that needs to get a conventional loan. My question is (for anyone that's already been doing these) where does the down payment for the loan lender come from? Is it something we need to save from our monthly profits or our initial chunk of money from the down payment made to enter into the lease? or does the buyer need to come up with another down payment when we reach that point?