How to find flexible banks

[Nick Talarico]

Hello, 

I have listened to some podcasts that feature investors that have worked with banks that have funded there loans for a multi family property for less then 25 percent down. I am calling around and talking to lenders but I am still getting the standard answer of having to put 25 percent down. I know Seller Financing would be an alternative but that is difficult to come by, should  I be calling Hard Money lenders, I still want a good interest rate as I am a buy and hold investor so I need a longer term and no balloon payments. Has anyone had luck finding backs that are flexible on the down payment? They would need to fund the loan themselves and not sell of to Fannie or Freddie.

Curious to hear others experiences.

Thank you