Location is in walking distance to downtown.  9 units rented, and one is not.  Asking price of $775,000.  I obviously would not pay that...  My question is in regards to financing the deal.  I do not have the 20% down to purchase this property.  Are there ways to structure this where I wouldn't need as much down?  Is there a way to do some sort of 5 year interest only financing, then re finance at that time?  Interested in hearing all options!  

If I were to go private lending, how would they be paid?  Then would I just refinance with a bank at the 5 year mark?  

Thank you guys in advance