Alternatively, you can get the seller to do a seller carry/seller finance for 10% and put down the 10% that would solve the 20% issue.

@Chris Sullens  As a general practice, if you don't know that the wholesaler is professional, credible, and honest (either by previous dealings with them or their reputation in the investor community) I'd definitely want to see their contract (you can tell them to redact the purchase price if they don't want to share it) so I know I'm not wasting time.Regarding earnest money, I'd never hand it to a wholesaler - even one I trust (they could get hit by a truck, etc.).  

ERGO banks cannot afford a loss.. if they take a default it kills them.. they have to off set your bad loan and put money aside etc etc.so yes two sides of the coin.and I fully understand how us as borrowers just think in our minds its a no brainer etc etc.ALL commercial loans of that size have those types of guarantee's its industry standards and common knowledge.. so now its known to you as well.what was the alternative..

The landlords should always tell the truth, and the landlords should take care of the lawn not the tenants but when a guru come into town in a chicken truck selling snake oil, everyone gathered around to listen how to take the advantage of a paying tenant. 

I own a one-man mobile welding business and have previously been driving my trucks 20 miles from the house to the industrial sector of the city for work each day. 

I can't answer that for you, but the alternative of increasing rents by that amount and don't "haggle" with a tenant over a fairly minor (3%) rent increase.

As an alternative, would it be legal to require your tenants to pay via ACH bank transfer every month with a substantial penalty if the have insufficient funds?

We have tools, truck, trailer, insurance etc for the equipment for the business and are currently finishing up a house flip that we purchased. 

I can only get 4 loans thru Freddie Mac, so I was wondering if anyone has any ideas of alternative financing.

But I'm certainly willing to look into alternatives, for sure.Thanks for the luck!