A local credit union quoted me20% down, 5.75%, 25 yr AM with 15 year balloon but 5 year ARM for a 14 unit I have under LOI.Seems to be the most competitive offer I have so far in terms of financing

Thanks everyone, Its our local credit union, we have a decent relationship because we used them on our last project.

I've since found a couple credit unions in FL where I reside and have also found two credit unions that will do it.

@Mike Ball Send me a PM and I can give you a Credit Union guy in Columbia that may do it. 

It needs more than the $10k personal loan my credit union offers.

Zeus Mortgage Bank, Jet Lending, Investor Loan Source and of course your local bank and credit unions. 

Instead of going through a big bank, try your local credit union.  

Appreciation may surprise you and a local credit union here in NC will even do a free online appraisal and totally skip the actual fee based appraisal but charge you a higher insterest rate.

Union will do 75%.

Shop around to your local credit unions and small banks.