Can you still do no money down deals? bank financing 75% and seller financing 25%

[Jian Yang]

I am new to commercial real estate, and looking for ways to do deals with no money down. But everyone I talk to is telling me those days are over. Banks dont do no money down deals. So let me explain what I have here. 

I found a property for sale for 1 million dollars. seller is willing to lend me 25% of the money as a 2nd. I know that banks probably will not do the deal if the contract writes that I am getting the seller to give me a 2nd for the down payment so I have not money in the deal. So what if I close the deal with my own money (25% down), Bank lends me the 75% and the loan closes, and as soon as the deal is close we have on a separate contract that the seller will lend me the other 25%, I would have all my money back. This is deal doable?   Thanks in advance :)