Making to jump to apartment buildings newbi question

[Adam Craig]

After buying 12 single family homes - I have come to think the sooner I transition to apartment buildings the better. Economies of scale and bigger numbers make apartments seem more appetizing.

I have a commercial lender lined up who lends 80% LTV.

Its the 20% and the rehab costs I am confused on. Is it common to request seller financing on 15% of the remaining 20%?  What would be some example financing terms so I can run some numbers on seller financing.

I have a nice income and a solid bank roll from 2 businesses - but I hear read about investors who have close to zero skin in some of these deals and that sounds better :) - how common is it? Who lends on rehab costs?