How do I structure this MHP?

[Eddie Starr]

Here's the basics:

74 Unit MHP

Asking: $1.7M

Wanting $595K down [assumable, $595K = 35%]

New Loan Amt: $1,105,000

Rate: 5%

Pymt (P&I)/Mo: $6,456.72

Tax assessor has it at $1.2M [Owner has put ~$450K into upgrades & MH renovations].

Amounts are monthly:

Rents + Garages: 34,600

Vac 5%: 1,730

Eff. Gross/Operating Income: 32,870 [includes property management and maint/rep].

Total Exp: 37.9% 13,175

NOI: 19,695

So, who would I approach on this [HML?], and how would I approach? "I just need $595K for a $1.7M MHP? Here's what it makes, and I assume the loan. 19,695 - 6,456.72 = 13238.28/mo, to pay on what you loan me?"