Refinance on non-conforming 4 plex

[Pat Jackson]

I have two duplexes on one lot under contract. All 1 bed 1 bath. They share a court yard. B+ stuff. Gross rents will be $2200, tenants pay all utilities.

I’ll be all in $140,000. I’d love to brrrr out. I can’t do a conventional loan since it’s two units and the roofs aren’t connected. (The way I understand it).

What are my refinance options. I'd love 30 year amortization, 70% (or better) LTV, and an interest rate south of 5%. Fixed would be nice, but I can deal with a balloon or ARM.

Property is in Missouri, built 1952, zip 64507. What loan products are out there?