Creative Funding for Commercial Loan Down Payment

[Austin Jones]

Hi BP Community!  I'm feeling comfortable with the single-family rentals now and am looking to expand into the multi-family market.  If I am to go over 4 units, I obviously need commercial financing.  This question is for anyone out there with experience in this market.  

If I don't have enough cash on hand for the down payment of the larger deals, how have you structured financing the down payment?  

I've had some suggest that the commercial lenders don't care where it comes from as long as the property valuation comes in fine. In discussing with one lender, he said it needs to be the "borrower" that supplies the cash at closing or that I could form an LLC or corporation partnering with the one funding the deal and then the LLC or Corporation would be purchasing the property and be on the loan.

I know this question must seem rudimentary for those that have gone through this before, but I just want to ensure I know how I should be structuring these deals prior to presenting them to potential partners. 

Thanks in advance!

-Austin