Creative Portfolio Lender Recommendations?

[Erik Sanders]

Hey BP community!

I am trying to think outside of the box for a deal I found recently on three adjoining larger townhomes in Portland, Oregon. They are being listed by the original developer, though they want to sell all three together.

The catch is that each is on its own tax lot and my lender insists that I would need separate mortgages for each due to that factor. I was hoping to FHA this as a triplex but seems that may not be possible.

I wanted to reach out to see if anyone has any experience/recommendations for how to creatively finance to get a deal like this? Portfolio lenders? Land contract? Seller Financing?

When able to refi, looking to house-hack this one with an owner occupancy loan with a 10% down or less loan preferably.

Any advice would be greatly appreciated as this would be my first individual purchase, and didn't want to pass up a good opportunity by not thinking outside the box!

Thanks so much all, honored to be here among such experience!

-Erik