Got preapproved for 290k - Lender requires 25%

[Trevon Peracca]

I got approved for a conventional small multifamily investment property loan. The lender requires a 25% down payment. When I said I was looking to seller finance or get a hard money loan for the other 25% they said that I wasn't allowed to do that. The only way I'll be able to get money from somebody else as if it was gifted to me according to the lender.. 

How can I finance or pay for this 25% using other people's money and without tying up my capital?

Thoughts or suggestions?

[Derek Carroll]

see if the seller will carry back a 10-20% loan. You may have to use another bank but I've quoted deals in the past where a bank will lend 75% and let the seller carry back an additional 10-20%. 

It's tougher to find but certainly doable.