A local credit union quoted me20% down, 5.75%, 25 yr AM with 15 year balloon but 5 year ARM for a 14 unit I have under LOI.Seems to be the most competitive offer I have so far in terms of financing

It might vary by jurisdiction in New York as well, and come down to the the history of that specific court house and the judges point of view.

Thanks everyone, Its our local credit union, we have a decent relationship because we used them on our last project.

This caused me a rise in interest rates and the second hit to my credit since it had to be pulled twice over the period of closing. 

100% financing is tough...even for private lenders, unless there are compensating factors (great track record, proven successes, strong reserves, great credit score...maybe even good job/w2 income (usually not a factor for non-bank investment property lenders, but may be for a private individual)). 

I have some good things on my side...a little experience with landlording, flipping, I'm a licensed Realtor and have a close to excellent credit score.

I'm a civil engineer with a steady income, good credit and no debt.My question to this forum is, how do I go about? 

My point being it is a difficult environment for everyone (except sellers), and to illustrate, a syndicator I have been following (wellings capitol) has given up on multifamily for now and switched to self storage after a history of insisting they would not do self storage!

Once I get back stateside I will walk through my LLC with a professional to ensure everything is in order, but I was able to set my LLC, purchase my domain (if I ever want to make a website), acquire my EIN, open my business checking account (NFCU if you have an account or can get one) and get approved for a credit card and a CLOC to start building business credit for it...all from a distance. 

They are essentially the same thing just one in the form of credit that must be repaid with cash.