Competing with big dogs and institutional money for multi units doesn’t often leverage the small investors advantages. 

If you have one of the major financial institutions (Fidelity, Schwab, Merryl Lynch, Wells Fargo, etc.) setup your plan then they as custodian will limit your investment choices to that of their offerings, usually stocks, mutual funds and bonds.

There's bidding wars, institutional investors overpaying, and the masses assume because it's an REO so it must be a deal regardless of what the numbers say.

I am hoping some lenders or well seasoned vets on this website can help me.Most conventional financial institutions will finance a property at an 80/20 LTV.

If you can get loans through an institution  or private money and refinance after the new properties are renovated and rented.

The Lehigh Valley is considered Allentown,Bethlehem and Easton.Some awards won by Allentown In the recent years:2015- Ranked by Fortune Magazine as being among the top 10 best places in the US to relocate corporate finance and Information technology companies.2016- Cited as a “national success story” by the Urban Land Institute for its downtown redevelopment. 2017 & 2018- Downtown Allentown Revitalization District was named 1 of 13 winners worldwide of the prestigious “Urban Land Institute Global Award for Excellence”.

I believe there are numerous opportunity left on multifamily deals where price point of around 800k-3m  where most institutional buyers are not looking at. 

I've seen things about Philadelphia C.U. and other places in PA that have done it with zero seasoning time, but haven't seen much on this site about institutions that will loan that quickly on NJ properties. 

However we are having trouble getting proper documentation for lending institution from the Company that owns the building. 

If I keep it, it will end up running down more or I will end up losing it to the financial institution.