Explaining to a seller my cash on cash return

In my experience when dealing with a logical or a sophisticated seller, explaining your investor formula is the best way to present your offer.
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In this example, earning a 10% cash on cash return dictated the down payment.
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Now I’m not the bad buy, the cash is the bad buy.
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“I would love to give you more cash down but I can’t because the cash has to earn 10%.”
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