Looking for financing advice

[Duane Gunkler]

Hello BP community!  I am excited to be at the stage I am at where I feel ready to start trying to put in offers on small multi-family housing units to generate capital and long-term wealth!  

My issue is with the financing. I have a solid W-2 income of approximately $115-$120k. So far, so good. Now the challenges -- I filed bankruptcy 7 years ago (hasn't dropped off yet -- Chapter 7 has another 2-3 years left). I got divorced in March of 2016, so my ex is still in the house, and I am still on the mortgage (although it is her responsibly per the divorce papers). So, between Child Support/Alimony, and that mortgage, I think it will be difficult for me to get financing. 

I have found a four-plex that I think works out for my cash flow and CoC return desires, but I don't have 25% to put down, and don't know if I would qualify for a conventional loan even if I did.

Looking for advice/suggestions. 

Thank you in advance!!!