Can owner financing be combined with bank financing

[Gabriel Miller]

A number of books talk about using owner financing when buying apartment buildings.   Is this something that actually happens very frequently?  It seems like most owners would want the cash.  I can imagine some being ok with partial owner financing.  I was thinking it would be great to get some help with that 20% down payment needed with the commercial lenders via partial owner financing.  However, the commercial lenders I have spoken with have not been supportive of partial owner financing.  Has anyone found commercial lenders that have been supportive of using owner financing for part of that 20% down payment?