<prompt> Human: Im interested in buying a local 5-unit multifamily home. The asking price is very attractive, and the property would roughly break even in the first year, which is fantastic. We are planning to renovate each unit individually as tenants leave and raise the rent.I recently began stopping by banks and finding out my mortgage options. Nobody would touch it because its a non-conventional loan. They cant resell it to Fannie and Freddie, so they refer me to their commercial mortgage divisions.All of their terms are ARM type balloon loans with 325, 525, 725 schedules. The interest rates are roughly 1 above residential mortgages, and then they reset after the 357 year period. They are 75 max LTV, which requires 25 down. TWENTY-FIVE PERCENT! Ridiculous.It is absurd to me that a 4-unit multifamily home could be financed residential with pennies down, even if it were a shit deal and cash flow negative, compared to this place. I dont want to put down 25. Id rather put down as little as possible and then sink that money into renovations that add value to the property. So Im looking for alternatives. Are there banks that will offer fixed 30 year loans on a commercial property like this?  <response>: Well they dont fit the standards to resell to Fannie or Freddie. Therefore the banks are going to price in extra risk. 