Buying a Multi Family in New England

[Rich Hupper]

Hi fellow investors

My goal is to buy a 2 or 3 unit multi family live in one unit and rent out / manage the others. 

The problem is the cheapest 2 family in my area is 150k. I have only 10k saved and because I am a recent independent contractor banks will not let lend me any money until I have two years of tax returns. The other problem is most of the multi families under 200k are disasters and not considered "safe, sound, and sanity". 

Should I get a part time job where I have a W-9? Or are there other ways to finance my first multi family property outside the traditional banks?

Thank you