To wholesale or to house hack

[Jessica A. Smith]

I'm new and I need help!!! 3 bedroom home and 2 - 2 bedroom duplexes on 4 lots. House is renting at $800 w/ long term tenant. Duplexes are empty but have rented for 600 in past. Repairs and updates needed. Seller is asking 90K. Seller finance is not an option. I'd like to house hack. Pre qualified for FHA loan but not enough saved for down payment yet! Could someone walk me through how to determine the AVR? If numbers work should I approach credit union or a hard money lender to complete this deal? Then if I can secure down payment funds then there is a need for repair funds. My head is spinning...