Creative financing for $999,999

I’m speaking with an agent and the seller is open to seller financing terms for only 5 years and a downpayment. A breakdown of the numbers are :

Purchase price: $999,999 Downpayment: $90000 Monthly revenue: $9,950 Monthly expenses: $3,172 Interest rate: 4.25%

Would also work for the downpayment/interest rate? In order for this to work, could I seller finance for 5 years with a balloon? Then refinance the rest of the balance? Or would a DSCR loan work best? Im in Texas if it helps. Owner owns the property free and clear.

I haven’t sent numbers and figures back just yet. Still working on what downpayment amount and interest rate works best for deal