Need creative help for down payment for rental property

[Casey Pollard]

Good afternoon all, 

     I have been in construction for 20+ years, but I am new to the rental business. I would like to supplement my retirement with rental properties in 11 years when I am 55. My bank is telling me that whatever I buy need to have 20% down for residential investments. Wanting to purchase 2-5 homes a year, I am in need of creative ways of getting the 20% down. After I get off the ground, I am sure that it will be easier to save cash for the down payment due to rental income coming in or refinancing & pulling out cash to purchase future properties. I live in the central Illinois area & the home average is aprox. $115k, so I would need around $20k-ish. I'm not interested in asking family at this time. Any input would be appreciated...

Thank you,

Casey