Seller Financing & Hard Money Lending

Hey everyone, 

I'm trying to figure out how to minimize the down payment on this CRE MF acquisition. The seller has agreed to 75% seller financing and terms I like.

I contacted just one HML so far and was told I would need to have a dp to cover most of the leftover purchase price (they said they could lend up to 65% on this project).

I figured I could just have them cover the 25% dp and refinance in the first 6 months. Are there HML for CRE open to covering this 20-25% down payment?

open to any other creative ways to structure this!