In my experience, all cash purchases, no financing, except for some Canadians who are able to secure lending in Canada for U.S. property.

As I google and search more and more about lending I am seeing more and more advertisements on the side of my pages.

We feel that they are trying to woo us by throwing this high offer at us (even knowing they were the only offer), and then planning on playing us when the appraisal came back probably a bit lower then our asking, their bank not lending them what they "want", and then expecting us to accept a lower number (essentially our asking price) from them because we will have been weeks into the process at that point and not want to go back on the market?

I work with the largest lending company in MA and am familiar with all the available options including masshousing and FHA.

They tend to lend up to 90-95% of Appraisal value 

If your lender won't lend to you because you walk away from an illegal, possibly dangerous, possibly costly situation, find another lender.

I am looking at a commercial lending deal and the numbers look solid based on the financials that were given to me.

I also got it to educate myself on real estate laws and the relationship between agent and buyer and seller.I actually think it lends to your credibility if you are an agent.  

Any recommendations on how I can tap into private investors who are interesting in lending at a 16% APR and allowing us to put down 1.5% of total loan? 

Moreover, 75k'ish properties are more scalable with commercial lending once you start acquiring more.