Theres 3 properties out in Georgia going as a package for $42,000 from a wholesaler. The properties aren't in the best of shape nor are they in a great area but they are in livable conditions, occupied, and producing about $1200-1300 a month all together. 

Based on the numbers, its positively cash flowing and an overall decent deal so I'd like to jump on it. Problem is I only have about 10-15k to work with. BB&T bank is willing to give me a loan but they want all 3 properties on a separate contract which means I have to pay about 15k in closing costs alone. 

I've called like 30 banks and credit unions all over to see if they'd be willing to do it as one loan but either they don't do that or their minimums are like 60k per property. 

I was thinking maybe I can get a hard money deal then refinance asap? But I'm not even sure anyone will do it at 42k. However, if I do, how long does the refinancing process usually take and how much does it cost approximately? Do banks even refinance multiple properties at once? 

Seller isn't willing to do a finance deal....how would you go about this? Or should I just walk away? 

Thank you