Even if you are leveraging assets, if you are not occupying a property, all lenders are going to be looking for a big chunk.

There are 2 facilities for sale in the area that are way over priced and they're not even fully (at least 80%) occupied or built.

I am left with 2 ABS Loans, Tenant occupied property that is now in foreclosure, because since November of last year I was trying to refinance, but the loan officer I was working with made me believe that he can refinance at least one of them, resulted in a failure to get approved. 

95% occupied Purchase price is 3MRehab costs unknown at this time but likely around 150kI have no experience with projects of this size.

Here's some guidanceon finding your first deal:- Define Your Criteria- Explore Financing Options: Withyour budget for a down payment, you have several financing options to explore.Conventional loans typically require a 20-25% down payment, while FHA loans forowner-occupied multifamily properties may allow for a lower down payment,around 3.5%.

Two units are currently vacant and the other two units are occupied. 

All four units are occupied and the tenants are currently paying their rent via cash in person.

CONVENTIONAL 5% DOWN - Again, check with your lender on the specifics - must be owner occupied, rates will be higher on this program than FHA.3. 

Even if they do, you have proof the house is yours and you are occupying it with keys to the door, so the police won't have the authority to evict you.

However, if the property is tenant-occupied, accessing it for renovations might prove difficult.If your intention is to purchase a distressed property for value addition, I would caution against acquiring properties with existing tenants, as this can pose challenges in the renovation process.