Refinancing at balloon payment

[George S]

I've read a bunch of posts on seller financing and balloon payments and I can't seem to find a direct answer.

Im looking at purchasing a 3-4 unit multifamily (non-owner) property with seller financing. Lets say 10% down on a $180,000 = 18,000 down. Assume a %5, 30 yr amort. with 5 year balloon payment. When that time comes my balance $156,763 is due. Provided the value of the home doesn't change, the bank is going to want an additional payment of $21,763 to meet a 75/25 LTV ratio. I could prob pay that from my full time jobs income but is this trade off for getting in with only 10% down? Is their another way? Or do most people just counter this by forcing appreciation?