Question about getting around lending requirements
So me and my business partner don’t make enough income to cover a mortgage of a commercial property, however we do have a substantial pile of cash. If we were to put this down on a building that had built in cash flow would we be able to get lending from a bank or would seller financing be better for us. 

What if the property had low rents that made the building cash flow very little or even negative but had upside potential, would the banks still be willing? Thank you
[{"id": "is6vtpx", "text": "Not in this market", "replies": [], "depth": 1}, {"id": "is6z2fq", "text": "If you don\u2019t make enough income to cover a mortgage why are you trying to buy a commercial building in the first place?", "replies": [{"id": "is7hcbd", "text": "My bad, when I said that I meant personal income. So if a property has income that covers the mortgage can that help me qualify", "replies": [{"id": "is8uqdv", "text": "The entire purpose of a commercial property, sir, is that it produces income. If you cannot provide to a lender sufficient evidence that you will create income from the commercial property acquisition to make interest payments on the loan then why would you expect a lender to lend you money?\n\nNow if you are simply intending to perform an adaptive reuse to single-family of the property to become your own personal domicile then yes, your personal income would come into play\u2026 as well as a a substantial redevelopment outline from an architect and your general contractor to the lender.", "replies": [], "depth": 3}], "depth": 2}], "depth": 1}, {"id": "is71je9", "text": "Not really unless you'll be owner occupied 51%. There's banks that are lending SBA 7a with LOW cash flow and doing projection based deals. Big downside is the adjustable rate at prime + 2.25", "replies": [{"id": "is7ho7v", "text": "Hey, what is the 2.25 at the end?", "replies": [{"id": "is7q4lg", "text": "prime rate + 2.25% on top of that. So effective rate today would be prime (6.25) + 2.25% = 8.5%", "replies": [], "depth": 3}], "depth": 2}], "depth": 1}, {"id": "is7vh5f", "text": "Get an Equity partner", "replies": [], "depth": 1}, {"id": "is86g7v", "text": "Mortgage broker here. Where are you located and what is the purchase price? \nAnd when you say cash, is it in the bank or under your mattress?", "replies": [], "depth": 1}, {"id": "is90ttn", "text": "your substantial pile of cash is going to need to be sourced (60-90 days) in order for you to be able to use it for your down payment. A huge lump sum is a red flag and raises questions.", "replies": [], "depth": 1}, {"id": "isaf639", "text": "Ask your lender", "replies": [], "depth": 1}, {"id": "isayp1o", "text": "You don't say what type of CRE it is so... let's assume MF.\n\nIf it's underperforming because it needs upgrades to get tenants in / value add, and you have $ for say 25% down for a bridge / rehab loan and use some more of your $ to do the rehab and that rehab doesn't interfere with existing tenants and cash flow then you can get a non bank bridge, do your upgrades, get the additional tenants, increase cash flow and you should be ok.\n\nIf it's an office building right now that's not a good move in the opinion of most lenders.\n\nAssisted living good, self storage is doing well. \n\nIf you could elaborate a bit you'd clear up the missing bit of info as to property type, location city (MSA), asking price.... then we could look at comps.\n\nA bridge can get you in and HOPEFULLY by the time that matures rates have come down a bit.", "replies": [], "depth": 1}]