Seller financing: how to structure it as a win-win

I've found that seller financing can be the difference between closing a deal and losing it. In my experience with 3 acquisitions, here's what works: - Typical structure: 15-25% of purchase price as seller note - Term: 3-5 years with a 1-year interest-only period - Rate: Usually 4-6% fixed - Subordination: Behind senior debt but with reasonable protections The key is framing it as an alignment tool, not a financing necessity. Sellers who carry a note are more likely to support the transition. What structures have worked for others?