how to get these funds to count for a commercial loan downpayment

[Ryan Moore]

I want to purchase a 5-unit property with a commercial loan. I plan to borrow some funds towards the downpayment. I was told that money needs to season for 60 days in my account before closing. This money will be coming from a family member's HELOC and ideally I do not want to be paying interest on this money to just sit in my back account while I make an offer and go through the contract period.

What are other structuring options do I have with a commercial loan to be able to pull over this money when needed at closing time?  I assume a simple option is to have my family member on the loan also, but we'd prefer to keep them off the loan.  This person also really just wants to lend me the money and return it whenever I can, and is not looking to make any money or have any part of the property.