Request for Multi Unit Loan Advice & Credit Score Issue

[Ryan Woodward]

Hello All! I’m brand new to this amazing site. To be honest I’m a novice. I look forward to gaining friends, learning & sharing.
My project is a property with 2 units on 1 parcel. My $145,000 offer was accepted. I'm having issues & was wandering if someone could help. I have $8,000 to put down.
FHA & USDA loan options were denied. I've found a credit union that will offer a conv. loan w/ 3% down. My credit is getting dinged because credit reports are pulled each time I inquired about loans. I would like to confirm/compare my rate, but don't want to keep getting my credit score lowered. Also, the credit union wants to charge an IR of 4.25%, which is almost a full percent more than the FHA/USDA. Any advice on if this is a decent rate? Any advice of where else to look for loans without lowering my credit report?
Any advice is appreciated.