4 unit that needs creative financing

[Chris Streifert]

So this is my second deal I am looking at. The first one was what not to buy so i passed. 

Details  

Listyed as a "4 Unit" is really a 4 sfr row home

asking price 168,000

rent rolls are total $2,500 which is under market by 100 to 150 per door

has a 5 stall garage that is not being rented out and the tenants are being allowed to use them free and clear this will change too 

taxes are 9,000 per year which covers trash and water on all units

Roof is 10 years old

all units have been upgraded to breakers from fuse boxes

1 furnace needs to be replaced ( Low cost due to I have a friend that does Heating and Air and My uncle owns a wholesale HVAC company.

My challenges are 

1. This is owned by two people from the same family (My cousin owns one and his in-laws own the other 3)

2. First time investor (don't know if this is really a challenge

2. I am being told it requires 4 separate mortgages because they are all deeded desperately

3. I have the %25 required down but would like to try to not use all my money so I can invest in another property in the near future.

Things I have thought of doing

Have them get the whole property deeded as one. I don't know if this is possible with two separate owners.

Hard money to purchase, get it deeded as a 4 unit then refinance to a conventional mortgage (worried I would be stuck with Hard money and lose the property.

Try to find a private money lender instead of hard money and do the same. Get re-deeded as a 4 unit property.

Any advice or help is most appreciated