getting financing

[Chris McNair]

ok i have a possible great deal 5plex for 70000 with 25000 in improvements .currently i dont have the credit to get financing on my own total needed down if we can downgrade to a quote on quote quadplex and get fannie financing i would need only 4percent down .or is there any other way to get this thing financed without a lot of capital upfront ... if left as 5plex i need 20 percent down on the 95000 or can i get the value increased based on the income of the property and have the 95000 within range to get the hard money at 60 percent and get loan and refi later with an after repair appraisal get out of the hard money