BRRRR - Trouble getting Financing

[Mark Delosreyes]

I am getting ready to purchase a commercial property that has apartments upstairs and businesses downstairs - already fully occupied. We are buying off market, and feel like we are getting a good deal. We are buying this property with our LOC, so a "cash" purchase. However, we want to refinance right away, pay off the LOC + repairs, and take some cash out to purchase more properties (BRRRR method). Most banks are telling me they will only lend 75% of the purchase price + repairs. I'm pretty confident this property will appraise for more than doubled our purchase price. I've talked to most of the local banks, and they are giving me the same answer - 75-80% of purchase price + rehab. Is there no way around the "seasoning period"? Also, are there any lenders out there that would lend me 75% LTV on the appraised value, with decent terms? Thanks!