New to forum & commercial investing

[Michael S.]

I have many questions regarding commercial financing. Here is my scenario:

I currently own 2 propertries, primary and a 2 family investment. The 2 family was purchased cash and I used my credit cards to bring up to date and to renovate. The end result of using the credit cards was that I currently have high balances and my 720 fico went down to 660. I am about to close on sale of my primary which will give me funds to pay down my credit card debt too ) and leave me with 250k to puchase a new primary and an investmet property.(How long before my credit goes back up?) I plan on using about 100k for a commercial property. I found a 12 unit (Asking 480k) that I am interested in. I am in the process of verifying income.I would like to purchase this property as a corpporation and am curious as to what is the lowest down payment I would be allowed to do? What kind of down payment would be typical for such a deal. My regular lender, local bank is willing to finance it, but requires that i put down 25% and this loab will show up on me verses my corp. Can I avoid having it show up on my report? I don't want it to effect my borrowing ability for my future primary, also in the 500k range. What would be my best financing options?