Found a 4-plex with great cash flow but I’m stuck

[Shane Duncan]

I have been devouring all real estate information for about a year. I’ve been scouring marketplace, Zillow, auctions, and have been driving around. I finally found a great deal that will cash flow and give me everything that I’ve been looking for, but I can’t get a loan without a bigger down payment than I can afford. The property can be bought for about 175K and it already has tenants and brings in 2600 per month. What can I do? How can I find a way to make this work when I only have 20K of my own funds to put in? And have a great credit score and a steady income but I have a mortgage on my primary as well. This would be a long-term rental and I would want to hold. The short term and balloon payments that seem to come with hard money are pretty intimidating. Does anyone have advice for me to finally take the plunge and be able to make this first deal work?