Commercial Loans

Hi, how do I find a good commercial lender that will provide all these great ideas we read about on this site. 100% financing, 90% or even 85%. We have great credit and 60K in cash but we have not found anyone through a google search that provides the 90-100% on apartment buildings. We are looking at 500K-1Mil properties. It also appears that the occupancy needs to be 90%. They have huge prepayment penalties. How do we buy these properties that are distressed if a lender is not willing to lend us the money. Does anyone have a list of these lenders that work with people like us?
Thanks for your help in advance.