I bought a place using traditional bank financing and then assigned it over with no issue, but the possibility is there.Commercial loans will generally not have as nice an interest rate, and be for a shorter period than loans in your own name.

Now be careful as  you cannot mitigate and change the lease terms  by asking for higher  rent amount or shorter lease term from the new replacement tenant.

One way would be to have 2 loans  that gives them the cash they need and reduces your debt payment in a 3 or 5 year note to cover that down payment they need  GIVES THEM THE CASH THEY NEED NOW AND A SHORTER PAY-OUT ON THAT 

Usually you can get in with less money down, but you'll likely have a shorter term before you'd need an exit strategy.

Is the loan a 30 year amortization and term or is the term shorter?

Commercial financing has higher interest rates and shorter terms with balloons.If I were to start over today, the first 10 properties I would buy would be 10 4-plexes with conventional loans.You asked about owner financing.

I should also point out that this is largely because of how each expense is repaid.... for example, if I get new water heater I might pay upfront, new carpet maybe over 18 mo, bigger project could be longer/shorter. 

We could possibly pull out all of our money in this scenario, but more of the cashflow would be gone due to shorter term.I could also look at hard money loans here, just haven't explored that option any more than the 3 featured for my state on Bigger Pockets website.  7% at 30 years seems to be what is coming up.My partner and I would consider private funding or even giving up a majority of the deal to put none of our own money in as two other options. 

Does ANYONE happen to know a model that is slightly shorter?

So my shorter term goals have changed to include making enough rental income, along with my savings, on our first two properties to spend a month exploring Europe within a year after graduation.