Using Bank & Seller Financing for minimizing money down?

[Jason Bilbrey]

I'm looking at a property around $900k and wondering how I could possibly get a commercial loan to fund 75% of it and use either seller financing for 20% and cash for the remaining 5%. Do commercial lenders care where an investor gets their down payment from as long as the DCR meets their criteria?

Or alternatively, if I have a self-directed solo 401k, instead of trying to get a non-recourse loan, could I get a tradition recourse commercial loan for 75% and use my self-directed solo 401k to pay the other 20% in cash, and pay 5% out of pocket? In that scenario, could I say the self-directed LLC owns 20% of the property and I own 80%? (Then of course all profits/expenses would be split 80/20 going forward.)

@Brian Murray in BiggerPockets Podcast #126 used seller financing and bank financing to purchase his first commercial property and I'm wondering if this really is feasible or not.

I'm trying to find creative financing options for a great property/opportunity.