Financing options - Somewhat unusual circumstances

[Gil Amram]

Good day!

This is my first post, so I will include a small intro to my question. I want to ask about financing options for an upcoming deal.

My wife and I have been investing for about 8 years. We own 1 Duplex rental and one single family that is our home. Both of those were bought back earlier this decade when they were in very bad shape. We paid all cash, and we did the remodel almost entirely ourselves using our own money. 

We got to a point where we are ready for a new project. We found someone who wishes to sell a package deal of two nearly identical duplexes. This will require more than the cash we have on hand (120K), so we will need more using financing, around 120K-200K more.

While both of our assets are worth around 400K, our income is very limited. We do not have "day jobs", instead we do actual work on our properties, and our income is our rent revenues (about 30K a year gross) so basically we are:

* 400K in equity

* 30K gross yearly income

* Virtually zero existing debt (less than $1000 on consumer credit cards) 

* Excellent credit (slightly higher than 800)

The two ways I know to get financing is either going to my own back (PNC, where we have our on accounts & our LLC business account) and Teacher's credit union. I was wondering if anyone knows of other options, that might be more suitable for our circumstances (very low income, reasonable equity, and ability to put around 50% down)

Thank you in advance!