Most of the commercial loans won't go over 70% LTV in the first place, although your credit usually has nothing to do with acceptance or not. It mostly depends on the cashflow of the commercial property itself.

That being said, it' s not impossible to get the current owner to carry the other 30% in notes, or get other investors to carry notes for the balance. Essentially creating a no-money down deal…

If it's a property that needs fixing, sometimes you can get the owner to take a balloon note for the remainder in 3 to 5 years and refinance the building once it's been rehabbed. Now it's possible for the NEW 70% LTV loan to cover the full price of what you purchased it for that 3-5 years prior as commercial appraisals can vary quite a lot in just a few years depending on cash flow and condition.

However, that being said, 0-down commercial loans may not exist except in the private market.