need some property ideas, page-95

Another couple of options...

Speak to the seller or agent and explain your situation to them.

They may consider to reduce the buy cost.

or another alternative....

Ask the seller to leave 10% in the deal as a second mortgage and offer them say a 10% return on their funds for 2 years.

then in 2 years pay them out when you get a topup with the perhaps increase in equity.