Sub-Zero and Liebherr offer built-in refrigerators that are panel ready with 2 drawers on the bottom. Here's a list of similar refrigerators (you'll need to copy the whole link to bring it up):
http://www.ajmadison.com/b.php/Bottom+Freezer%3BBuilt+In%3BAccepts+Custom+Panels%3BOne+Door%3BRefrigerators/Nao~20%3BNs~_price_with_promos_02_|1%3BN~26+4294966340+4294961194+4294960711+4294964262
:) Rhoda

Hello! We are finishing a kitchen renovation and our panels just arrived for our 36inch sub zero. We have a modern design and wanted clean sleek white - just one panel for the refrigerator door and one panel for the freezer door. The refrigerator door came with a line down the middle and the manufacturer (Cystal Cabinets) is telling us we need to sign a waiver accepting no warranty if we get a panel with no line down the middle. Does this make sense to you? This doesn't make sense to me. I think I'd see a lot more beautiful refrigerators like this with a line down the center of the gorgeous custom panels. TIA! Lauren