Need help to close deal

[Dave S.]

Seller is agreeing to loan me the funds for a downpayment and closing on two properties. BUT wont have the funds until after closing is complete. I asked around to a few lenders and the maximum seller concession on an investment property is 2%, which can only go towards the closing and not towards the downpayment. What are my options? Would a bridge loan work? Did I just not find the right bank? Also from what I gathered you need to have the funds in your account for 60 days unless it's coming from a HELOC (which won't help me as has a max out of 80 to 85% of equity). Thoughts???