Need funding options for current deal

[Philip Joseph]

BP,

I'm currently working a deal, 4 rental properties for $280K.  All properties currently rented.  Looking for lenders / options for funding.  I tried owner financing, but their terms would not work.  Looking for options that will keep more money in my pockets.  Right now a local bank is offering an 80% loan at 4%, which means I have to come up with 20%.  If that's the best there is then so be it, but I'm guessing there other options I'm not thinking of.  

Note: I have another single family home that is completely paid off and can be used as collateral.  Any ideas would be greatly appreciated. 

Cajun