Advice on getting funding for off market duplex

[Orlando Hernandez]

Need advice please

I found a off market duplex I would love to purchase. Property is in a very desirable suburb in central NJ -excellent school district  - lots of potential for value add  -both units occupied month to month with 60 day vacate notice needed.                          *We would like to live in one of the units asap

Seller wants $330k and their willing to sell it with low interest seller finance with 53k down. 

We own a beautiful duplex worth about $330k (we owe around $225k) it cash flows after expenses $1200 pm

We also own a fully remodeled SFH worth about $115k (we owe 65k) it cash flows after expenses $550 pm ( both owned in my personal name)

>Now here is my tough situation :: 1 year ago I left home with my wife in our self built Sprinter camper van to travel the whole country, just got back a little over a week ago. At that time I quit my excellent paying job as a BMW technician, and my wife put her real estate agent career into referral mode. We don't have jobs yet as we just got back but will very very soon.

 I don't have enough for the down payment and I don't have any long term work history now . My credit is 753

Can I get some type of loan against the property or use the equity in it?  

Possibly a private money lender? if I did find one, what type of structure could I expect?  

I will be selling the camper van soon and getting a large chuck of cash from it but it will not happen fast enough to snag this deal before its gone.

any advice or ideas are appreciated, Thanks

[Mo Maktari]

Best bet with these circumstances would be a DSCR (debt service coverage loan). Do not need to show any personal income, just based off of the income the property in question would bring. I personally just used a DSCR loan on a Duplex in FL with around 20-30% down.