Hey, Antoinette...great question.
Ever heard "cash is king"? Well...these days it doesn't guarantee you the property, but it lets you play.
Regardless of the type of seller (regular, non-distressed seller or a distressed seller in pre-foreclosure or lender looking to sell their repossessed inventory), cash is very likely to be favored over financing these days.
Though not really a problem with single family houses, condominiums are under such financial duress these days due to shortages created by so many owners not making their maintenance and/or assessment payments that often, cash is the only way to buy.
Where financing is possible, you are not as likely to see low down-payment purchases possible in condos any more. There are one or two lenders though doing 3% down loans (non-FHA), but again, not in every building. Single (and multi), family property continue to be relatively easy to finance though.
Regarding a "lift", these may be easier to find in newer, hi-rise buildings. Older, two or three story buildings may not have easy access if you require a lift. However, there are times when a first level unit may be easy to access without a lift...but these are not always easy to find.
Your question however, was quite partial (as though only part of the question came through), and requires more detail for a better answer.
Just the same, working with the right professional will obviously increase the odds you will be successful in finding the unit you want and need, in the area you want and for the right price (perhaps even a great bargain).
All the best...