Looking at an REO need some advice.

[Michael Owens]

So to explain my predicament I will be moving to Georgia in a few months and am determined to begin my investing career there. I have found an REO property 3 acres with nice enough mobile home on it that I intend on living in for a few years. With one acre I want to subdivide and either build some multifamily housing for renting, or 2 to 4 homes on lots. The problem is I need to figure out how I can finance it. I have my first home buy that has been killing my credit for years but should be sold in the next few months (hopefully). It is listed for 45,000 I currently have 1,500 but should have 3k by the end of the month. I have a family member willing to match my 3k but can't carry a mortgage for me. I plan on calling the bank that owns the property tomorrow to see if there are any options they are will to work with since the property has been on the market for 95 days. Any ideas are appreciated while I continue to figure it out. thanks.