Need Lender okay with me NOT putting 20% down; commercial

[Chris Jackson]

Hello all!  I am hoping for a good reference or two on lenders that would be willing to work with me on this deal:

5plex of residential units. Seller wants to move it quickly, so he will provide my 20% down money by boosting the property's sale price higher.  He wants $150K, he'll sell for $186K with $36K seller carryback which is my 20% down payment. However, since this is a "low-cost" commercial loan that I need I am having issues finding somebody willing to fund it. ANY IDEAS?