I have the money to buy now but I would rather do creative financing and use as little money as possible out of my own pocket. looking to start with BRRR method but maybe should start with a wholesale first to fund that?

However, I didn't lay out what that seller financing offer would look like because I'm really not sure if a deal can be made or how that financing would look.I'm hoping to find a way to get the home owner some money in her pocket if possible, although I need room for an investor to fix the issues and hopefully buy the lot back from the auto repair shop.

We are looking into the possibility of starting out OOS investing in Indianapolis.

Quote from @Victor Yang:In addition, is it possible for me and my wife to gift 36k worth of equity per year of the house (under the annual exclusion limit) and therefore have none of the costs go towards the lifetime gift limit?

Yes, it's possible to get an FHA loan with 3.5% down in the city, but your lender is right—there are some tricky hurdles, especially for multi-units.

Understood I made a bad move here as this was first investment so didnt think much except at the location for longterm growth or possibly I move there as part relocation.

My piece of advice would be to try to take advantage of as much free education as possible with podcasts, forums like these, YouTube, and other real estate investors.

Quote from @Sabian Ripplinger: i want to possibly use hard money this year to grow quicker   and can you use them for new builds  who should i use and  any tips?   

Any answers or tips would be greatly appreciated.1) Is it at all possible to obtain 15+ year financing on MHP?

They have asked me for $7500 to be wired for Appraisal and possible Phase 1.