Apartment Building - Seller Financing With Intent To Refinance??

[Kyle John]

I am trying to get my foot into the door of real estate investing and have been trying to think of ways to secure my first apartment building! 

My current thoughts are that I will find a property and purchase using seller financing. After 1 year the property will be refinanced conventional and the seller will be paid off. 

What I'm wondering is will the payment history established with the seller secure a commercial loan when it comes time to refinance? Will I need to have 20% to put down when I refinance?? 

Curious to hear all thoughts !!