0% out of pocket with hard money loan & commercial bank loan

[Sawyer Scott]

I am currently looking into purchasing an apartment complex. I would like to utilize creative finance to create a 0% out of pocket solution when purchasing.

For those of you with more experience in commercial real estate, is it possible to use a hard money loan as a down payment for a commercial bank loan? If so what may be the pit falls off doing so, that is other than high risk and interest rates.

Cheers

Sawyer Scott