Philadelphia, PA Duplex Deal - Need help with financing deal

[Nicholas Kurowski]

Good Evening BP,

I have a potential deal in the works for a duplex in Northeast Philadelphia. The property being sold shares a step with my current rental property that I bought last August.  It is an estate sale that I have been able to agree to prior to it ever being listed. The house has been fully redone: kitchens, bathrooms, roof, Windows, HVAC, etc.

Sale price: $195,000 ($175,000 cash, $20,000 paid interest free over 5 years to the estate)

Expected to appraise at between $205,000 and $210,000

Taxes: $2,500    Insurance: $1,300

Total rental income: $1,750

My father will be financing the $175,000 cash for a fee of $5,000 

Closing costs: $3,000   Transfer tax: $3,750   Property tax reimbursement to seller: $1250

The max financing I can find is 80% LTV. Does anyone have any creative ways they believe they could make this deal work. I would to have 4 units sharing the same step but I also realize this is tight. I only have roughly $9,000 to apply to the deal but would prefer to keep my out of pocket expenses as low as possible.

Any advice would be wonderful. Thank you.