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I'd say the first thing to do is find the owner. Seriously, that's probably a much bigger problem than you think. If my house was for sale and you came to me with the same idea, I'd tell you in no uncertain terms to find sand. However, I know it exists and I've heard of it working. I think that you'll find that this is a case-by-case basis and while you may find the perfect house it may not have the perfect owner.
To go back to your OP, you're asking the owner to loan you the money, so make sure you understand that. You'll need to set the length of the loan along with any penalties, etc. This will be a contract, so you most definitely want to have a lawyer review it before you sign anything. However, I'm sure you can find some boilerplate out there that will fit your needs. You may even want to be preemptive and hire a lawyer to draw up the agreement now so that you work from a position of strength on it.
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