Getting a small apt complex under contract

[Avi Garg]

Need some help in understanding how to get a MF under contract. Lets say the small apt complex is listed at $300k and the seller is willing to drop the price to $280k (no seller financing available). 

1. The conventional way to do this is to have 25% as down payment and find a commercial lender (LLC required) and get approval letter to get the complex under contract

2. I read someplace (can't remember where) that I can try to find a rich friend/family to give me a screenshot of their account with the money (name scratched off) and I can use that to get the complex under contract and then find the investors. The only issue with this is I thought the bank screenshot should have your name on it.

3. Find HML who will be willing to put in 80-90% so you can get the property under contract

4. Any other way I am missing out (100% cash offer is out of question for now)?

(these are made up numbers to put things in perspective)

Another question I have regarding commercial loan is that does the bank look at where the money came from? Lets say I have 30k and the rest I get from 0% credit card (I know the risks so lets not point the credit card risks).