Recommended Finances To Purchase a Fourplex as a first time buyer?

[Aaron Kelly]

I found a fourplex located in Cleveland which is worth around 220k and want to purchase it. According to its description, it is actually a triplex + single house in a single lot, seem perfect ideal for a househacker. However, the seller only plan to sell it "as-is" condition and will not accepted any FHA loan to which my previous offer include it was rejected. So, what are avaliable finance I could use to make a great deal offer to that fourplex? I also add my budget detail below for your analsysi:

My real estate goal is to earn a decent cashflow locate in Cleveland through a househack and I have a max budget of around 40K. I want to apply a FHA loan because of its great low down payment 3.5% for a fourplex. Though there are few issues: FHA offer is not accepted by seller and second, even if FHA is accepted, I need at least 2 months worth of rents to meet FHA's guideline.

What are your recommended finance to use for fourplex?