Difficult Property to finance!

[Chris Conroy]

I have put an offer on a property for 225k when the asking price is 245k.  The property is a triplex and single family home that are all fully rented out.  The triplex has 2 units that are 2 BR 1BA and one unit that is 1 BR 1 BA.  The single family home is a two story 3BR 1BA house.  The property needs about 15k in repairs.  I will be living in one of the units as one just became available.  

Financing this has been impossible. Since it is two buildings on the same property, conventional loans and FHA are turning it down. Even though they are all on the same mortgage, gas, and water meter. Does anyone have any input on how to do this? The comps alone on the single family home are 160k but I have to go to zoning down the road to split them up as long as the triplex is appraised for the amount of the loan and in this neighborhood, 2 triplexes have sold for 195k. These triplexes were much smaller and had all 1 BR 1 BA units. I feel like this could be a steal if I can finance it.

I spoke to a lender who is my buddy's co-worker and she said she would do a 5% down private money w/ 5.5% interest for me but she's not licensed in Texas.

This is a tricky situation and for my first property, I'm learning a lot because of it.