I know that there are low down payment loans for primary residence.

That makes down payment of 30% when cap rates 5 and interest rates 3.5 now 45% down with huge interest payment to make DSCR work with lender and only get cash on cash of about 3.5% and buyers say that suck I get 5 in the bank no thanks.Now in bank they get highly taxed on the 5 and some banks unstable right now depending on who they hold funds with.

Look into mortgage, loan, and down payment help programs.

@Jay Hinrichs - I'm inclined to believe lenders will step up to the plate and offer the ability to incorporate buyer side commissions into the mortgage payments in certain situations.

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So, theoretically, a six-month loan of $100k could net $2k in points and another $6k in interest payments totaling $8k in fees and interest.   

The loan could be secured by the property as a note and mortgage and that way you define the payment structure and interest rate to pay them.

Figure out what your monthly PI payment can be and go for those terms.     

It seems like FHA might be a good route to go if possible or conventional if your credit and down payment.

Specifically, it sounds like all interest payments made are fully deductible because, in this case, the individual unit's balance cap does not apply (because it is grandfathered) and the underlying co-op mortgage's principal balance allocated to the specific unit is below $750,000.