Need a plan B for downpayment.

[Mara Witt]

Hi, so, just started poking around here yesterday and I'm ready to jump right in and start trying to work out that big obstacle that has been standing in my way. Downpayment. I am looking to buy a two or three family in Manchester, NH. I currently own a 3 family that I live in and it has worked out wonderfully. I bought my current home two years ago FHA so only had to come up with 3%. This time it will be, 20%-25% down depending on how many units. My original plan was to borrow money from an annuity account (I was given the wrong info over and over and thought that the taxes for borrowing it would only be 10%, my accountant has sense showed me that is not the case and it would NOT be a smart decision to take any money out before retirement) This knocked me down for awhile, and I kind of let the dream go for a bit. I recently looked into borrowing equity from my current 3 family but the bank said not enough. I know there has to be another way. I'm just here to learn and see if there is anything I can do. No, I don't have any family that could help, and I don't have any savings to speak of. I do have pretty good credit and I obsess over it and it is on track to be "excellent" If anyone has any possible solutions for me let me know! I'm eager to start researching different ways to make this happen!