They were taxing as a fourplex, but the CO said it was a triplex.I found out when I went to try to refi with the bank.

All programs have LLPAs but that's more so any bank's individual guidelines and overlays to specific product pricing.

Quote from @Griffin Malcolm: Open an LLC and apply for a small business line of credit from Key Bank.

I'm sure some local banks will do higher especially with a strong relationship but don't think I will fall into that category.

Credit unions, banks, mortgage companies and private lenders.They all had the same answer.

@Adam Newman yeah, not understanding your statements, "I have $50k plus about 7k in the bank" and "take out a loan and go in with 20% from the start?".

I would first look at a place where you can transfer job wise that makes the most sense.

Fannie Mae will allow you to transfer the deed to an LLC if you decide to try to go the conventional route, but the loan would still be in your names and you'll need to pay a title company a second time post-closing to do this  for you. 3) I can't speak for the area so no comment there4) If you're self managing, make sure you find vendors you can trust in the area since you won't be able to easily verify if an HVAC guy, plumber, etc. is trying to rip you off and tell you to buy something you don't actually need. 5) Make sure you have clear alignment of goals and a clear operating agreement that spells out what to do if those goals start to not align in the future since you'll be jointly obligated to these properties. 

Check for transfer costs before doing so. 

Demand termination of the contract and transfer all documents, funds, keys, and anything else they have to you or the new PM no later than [DATE].