Considering this constraint, I am contemplating an alternative approach: constructing a fourplex on a suitable piece of land.With a capital investment of 25%, I am curious about the financial viability of this strategy.

As an alternative, would you feel confident retiring on $5k/$10k/or $15k/mo of income that increased about the same as inflation every year?

There are some alternative owner-occupied options to SBA if you don't qualify for it, however it may not be the rate you are looking for. 

Real estate moguls, precious metals enthusiasts, and alternative investment seekers, an SDIRA is your ticket to diversification.Your SDIRA Investment Menu- *Self-Directed 401(k):** Perfect for the solo entrepreneur.

Diversify the portfolio in the markets, bonds, and some alternatives like real estate.

Just an alternative thought, depending on the state you are located in, would it make sense to open an LLC for the management of your rentals? 

Evaluate your savings, income, and outgoings; moreover, educate yourself about mortgage alternatives and programs that help with a down payment.

For non real estate investor partners, consider their alternative options, and be in range.

Not having any luck finding my buyer a flip on the MLS, so I was looking for alternative ways like reaching out to wholesalers. 

Can anyone help me out on a way to explain this to him without hurting his feeling or give me an alternative way to still make this seem like a valuable option for my brother without giving up such a significant portion of the equity in the property?