Commercial loan terms - seeking lower down payment or long amort

[Sara Abernethy]

I'm purchasing a 7 unit vacation rental complex. My local bank is offering a 20% down payment, 20 year fixed rate loan. It's really not bad! However, the taxes are massive, so I'm trying to find a way to create some breathing room. Either a lower down payment or a longer amortization of the loan would definitely do the trick. Does anyone know of any banks that would do this? My bank is local and I'm plowing through the other local banks in the area. The area is considered "rural" so that might be a hangup for some lenders. Any ideas on lenders? I'm not against the idea of asset-based lenders, but so far their terms seem to be worse, not better than what I already have, and I already run vacation rentals in the area successfully, so I shouldn't have too much of an issue qualifying for a bank loan.