Ok, so how much of down payment for commercial loans? really...

[Minsu Goo]

I've been looking at investment properties, either retail or multifamily 5+.
Banks I've talked to saying 20-35% down payment in general for multi unit.
Someone told me 50% for retail commercial properties.
I said he's crazy. I recently sold my business+real estate meaning I do not have additional income coming in. I didn't make much either for last 2 years.
Realistically, with excellent credit, not much of income last 2-3 yrs, can I get the loan approved? If I had $250k, how much can I buy with that money?