Buying An Apartment Buildings
I would like to purchase an apartment building or multi-family(4 or more) in New York. The problem I seem to be coming across is brokers who think I need 40% down for a commerical loan and shy away from getting involved when I explain that is not always the case. I need information on how to approach brokers who are not so creative. 
It's a lot easier to sell your horse and buy a car than to convert your horse to a car.
You're fighting an uphill battle if you're trying to get THEM to play your way. Time to find new lenders.
95% of lenders are conventional. That means you'll talk to 20 or so to find ONE that is creative.
Do google searches for:
"100% CLTV"
"apartment loans"
"creative solutions" loans
....etc
They're out there. Try www.firstcaptioltxr.com They're out of new york city and have worked with me on a deal (if you use them PM me and I'll tell you about my headaches with them as well).
ALSO 1-4 units are finaced as residential properties and 5+ as commercial. There is a world of difference between a 4 plex and a 5 plex.
You can purchase apartment buildings 100% financed and/or "no money down". I've done it. Good luck.
You can try looking into "the scotsman guide" website. They have the matrix's for lenders. They also have a search feature where you can put in detailed data about the funding you want and the property. Then you get a list of potential lenders for your deal. It seems like a pretty useful little tool.
unlimitedqwest,
as a broker that does both residential and commercial you need to tell the residential brokers to learn the difference. Then leave and try to find a commercial broker that knows how to work these deals. 100% is not uncommon at all. I unfortunately do not know of any commercial brokers in your area personally to refer you to. I can certainly try to help you if the other broker does not work out.
I agree with shizah, they do need to learn the difference. I work with many commercial lenders across the country and I'm sure I can help you make the best of this situation. Drop me a private message if you are intersted.
CDPOOL