So for round numbers this should be your capital layout:100k purchase price.

Can you find a more efficient layout than I plan for the property?

A 10 year agency deal is much cheaper than a 5 year right now, so its kind of counter intuitive from a bank's perspective.

It needs a lot of work because the layout is all wrong but it is sturdy.

You just have to lay out those two termination options for them.

I really liked the lay out of the apartments and the remodeled ones looked really nice, and the cost to renovated each seemed reasonable(about 2-3k a unit, depending on appliances.

It is located in the area considered of several parallel streets with the duplexes with the same layout as ours.We never bothered to check it's zoning status.

Once you've ID'd 2 or 3 banks that like lending on the type of property you have, tell them, "Hey I am looking for a loan structure like this......" and lay out what you'd like to get and see what they can do.

Without the property layout though, im unable to give an adequate solution. 

Though I had a guy lay out a rooms worth of ungrouted/unthinset tile once when I was out of town to pretend he finished the floor to get a $$ draw from my husband.