You're going to struggle to find lenders willing to loan to you at some point unless you're getting creative, buying below market deals, or adding value via remodel.

See my other post:  https://www.biggerpockets.com/forums/517/topics/1196510-any-creative-lenders-for-6-unit-high-dscr-property-fast-close-needed?

On a positive there are 15-20-30 year amortizations and increasing income qualifications including instant approval and AVM (no appraisal requirements) for very clean applicants, and creative documentation for self-employed borrowers or investors such as bank statements or even DSCR (usually up to 75%LTV) for investment properties. 

The support from the RTR team has been invaluable.Looking ahead, I'm eager to explore creative opportunities in real estate, particularly with the unique mid-term rental options in San Antonio.

Am I missing some aspect of creative financing?  

It would be considered a seller carry back.The buyer would have to come in with some down payment money, you create a note, and the buyer would have to secure bank financing.My good friend Bill Ham wrote a book called Creative Cache.

If you have done many deals with some creative way to finance the deal or sub to, and if you have strong exp and tons of success to win over a competing MLS deal. 

We found creative solutions to make our own multifamily so to speak, and still create a sense of privacy and separateness for us.

I do have a Commercial Fix and Flip Program that will provide cash for the acquisition and to Rehab the property.Once it's stabilize we can secure Permanent Financing and take out the bridge loan.Multifamily has, by far, the most interest in CRE Financing world, if it's a good enough deal we can get you the financing but I refuse to make bogus promises about what is and is not possible.If you DO NOT have the cash to put down on the property there a few creative financing avenues which may be possible if you have a motivated seller that is willing to work with you on terms.The 68% occupied property would be most fit for creative financing because there is clearly something going on there with the current owner.You can look at a master lease with an option to buy or doing a wrap combined with a seller second... the only thing is that the seller is highly unlikely to accept those scenarios.Now... there is one "highly unlikely to happen" scenario where you could technically get 100% financing but, again, the seller would have to be out of his mind to say yes.It entails a Hard Money FIRST MORTGAGE of less than 50% of the "Quick Sale" value as determine by a BPO... this would serve as your down payment.

Ther are very strict regulations that limit the kind of creative stuff you can do in the residential arena.