Purchasing property with liquid assets to income qualify

[Sean Magee]

Hello, this is the first post for me! I am a big supportor of this network. I wanted to see if there is anyone that could direct me with financing. I have 450k invested. I wanted to see if someone could recommend how to finance a 4 unit multifamily only using the principle of the funds I've saved and the rental income. All the lenders I've talked to don't use the rent schedule off the appraisal in order to income qualify. Do I use hard money then refinance out of it with a lower rate/conventional once I have all the tenets in the building? Thanks for reading