MLS Bank Owned Rehab Finance Options

[Shelby Sample]

I have my eye on a property in East Texas that has been on the MLS for just over a year. It is currently owned by the bank and is in need of a MAJOR rehab. Listing price is $45,000

But......all I see is potential! It's a SF that was once a duplex and I want to turn it back into a duplex. PLUS, there's a 3 car garage in back with an unfinished full apartment above.....A 3rd rental!!!!!

So......I'm pretty much cashed out right now and already have 2 mortgages. I need ideas as how to get this property. I can't do hard money since I don't plan on selling. Any ideas or suggestions, really dont want to miss out on this opportunity!