Hey Jimmy, I'm not a lender but have a few good ones I can connect you with to discuss your options.

be sure to stick to your 70% rule for the flip, know your numbers. run everything conservatively. overbudget for time and costs but 15-20% Did you work with any real estate professionals (agents, lenders, etc.) that you'd recommend to others?

We are starting to see more sellers open to real estate contracts and have some great lenders who have great programs.

I turned lender based in St.

@Bobby Short Depending on the equity you have on your primary residence you might be able to find a lender to finance the property in CR with your primary residence as collateral.

Meet with a local banker & schedule a time to talk with a mortgage broker, they'll give you at least a baseline of what kind of down payment options and rates are out there.After that, if you're still wanting to research more creative options, do some looking into seller financing (a very hot topic with good, and bad, advice out there), look into private lenders, and commercial financing options.If you're wanting to live in 1/4 of your quadplex, then conventional residential loans may in fact be your best option as you can purchase that with a fannie/freddy loan with very low down, and use up to 75% of the income from the property toward your own income. 

My wife and I have obtained three traditional loans and one lease with the option to purchase, resulting in most banks turning us down based on debt to income (non-portfolio lenders). 

Our current lender is offering us 170K cash out refi ( I will be researching this in a greater detail ).

As long as you're not in a rush, we always recommend spending some time asking questions of DSCR lenders you might be looking at.

Hard money lenders are much more like banks and come with many restrictions, requirements, due diligence, fees, etc.