Residential portfolio lenders keep the residential loans on the portfolio of the bank/credit union rather than selling the loans to Fannie Mae, Freddy Mac, or a larger institution. 

How you find them is by networking with all the people you've known in your life.If there's ever been a home on the property, you may be able to get institutional financing.

There also should be a separation of say an individual private lender and a more institutional one who has to file with the SEC and may be regulated even at the state level.

Is that a loan I would get from a bank, credit card company or a Lending Club type institution?

Then again I only used institutions in Michigan and did not look for funding from outside of state. 

As some institutions have different requirements when it is partly owner occupied.There are real estate meet ups in the area that you can attend and gain insight. 

For Michigan:  Discharge; Mortgage, Land Contract, or Tax LienMCL 600.3175(1)  15 YEARSWhen a recorded mortgage on real property, land contract, or tax lien (except tax liens held by the state or any political subdivision of the state) on lands or property has been paid or satisfied or when 15 YEARS have elapsed since the debt or lien secured by the mortgage, land contract, or tax lien became due and payable or since the last payment made on it, and no civil action or proceedings have been commenced to collect the same and in case of tax deeds when no service of notice to interested persons (of any kind) has been filed with the county clerk, the owner of the land or property may institute an action in the circuit court to discharge the mortgage, the land contract, or tax lien.

I think instead of telling someone "how" to do it with no money down, we should help others explore their situation and discover options.

During due diligence I've discovered that the water/sewer costs average $180/month for the building.

I would think it varies from institution to institution.