Have a great deal, Need ideas to make this work.

[Nick Holty]

Hey I have a great deal with somewhat of a lower risk. I have Gotten bids from all the different contractors i am planning to build a twin home/ condo and sell one half and owner occupy the other side. I am Looking at around $135000 with some sweat equity to build the two 1200 sqft 3 bed 1 bath twin home with 400 sqft attatched garage. Similar propertys that are not as new as mine have sold for around $120000 per side in the last six months. I am planning to presell the one side and live in the otherside with the low remaining balance on the note. I have only $5000 for a down payment, and a local bank has 3.5% down payment with fixed 30 year 3.5 % interest options. Because of a recent career change and to low of income i dont qualify for the loan. Any ideas on how i could convince a family member to cosign, or find another way to finance this deal?