Having trouble on what to offer for a 6plex

[Daniel Perea]

Hello everyone, i appreciate you for taking the time to read my question/post. There is a 6plex for sale here in my town of Deming NM. I recently spoke with the lady that is selling the 6plex. She told me the reason she was selling it was because she was tired of cleaning after people when they move out, that she has too many properties to worry about. She is currently asking $199,000 for her 6plex, and its been in the market for about 2 1/2 years. She told me that she will not do owner finance. Two apartments are 1 bedroom 1 bath and they are currently been rented for $400, the other four apartments are 2 bedrooms 1 bath and are been rented for $450.

I have recently been approved for a $95,000 home loan. i have about $10,000 that i been saving for the past 6 months specifically to invest in real estate. Here is my question, how much should i offer this lady for her 6plex? and how can i do it to raise the extra money that i need? Or what other options do i have to buy this 6plex? What are my options here? is it possible that i can buy this 6plex somehow?