Suggest a lender who would take less than 20% down?

[Jim Vora]

I am planning to put in an offer on an REO property in NJ.

the properties has been fixed by the bank and is ready to lease.

I am sure i can get it 30% below market value.

Here is the question: 

the banks have asked me to put down atleast 20% for the investment property + closing + 2 months of liquid cash to account for vacancy. would you know if I can work with any banks who may require lower than 20%. would you suggest me any?

thanks,