Commercial property financing info needed

[Jeremy Christ]

Looking at a property that consists of two apartments and a vacant shop front.  Looking to remodel and rent the apartments, and renovate and either rent or start up a business (down the road) in the store front.  We have the personal finances that I would expect to qualify for a loan(credit score/assets/debt to income/down payment/etc).  But we do not have an existing business entity or business income to show.  IDK if it's relevant, but the property is listed at $235K, and we would like to offer $190K based on the time on the market.  

Financing seems to be the confusing part.  They(the bank) want estimated and previous rental income, utility info, etc.  And the seller seems less than willing to supply an of that.   Can't we just get something similar to a real estate loan without posting a full business plan/expectations?  Or is every commercial property considered a business purchase and need to be tied into a business plan?  Any tips on first time commercial real estate purchasing would be very helpful.  Thank you.

(Not requesting any offers/lendors/mentors/etc. per guidelines.   Only advice on the processes)