Question on a typical loan structure

[Jamie Rost]

I have spoken with a few different banks, credit unions and private lenders and it seems like there is not a typical type structure. I am a new investor and trying to determine how much I need to realistically save to get started. For example I was looking at multi family properties and it would seem that a minimum going a bank route is 25% down with a 20 year term with a 5 arm and 10 year ballooon with the option to extend another 10. That just seems to me that that is atypical. In all of my learning and calculations to date I have been looking at 20% down and 30 year terms. 

So i guess my question is for these small multi family properties is what type of loan structure should I expect and plan for?