Thought I would finally ask for some advice.

Also, maybe check in with @Joseph Chiofalo for some very useful lender specific loan programs.

I think it will be unlikely to find a commercial-style loan for a multi-family property at anything less than 20% down...they will likely be 25% or more at this point. 

I am unfamiliar with taking on a loan of this size and the possible liabilities. 

Pick your plan, look into the Kansas City area, use market comparisons, check your money power, look into loan options, put together a team, check cash flow, ROI, and Cap Rate, and make your bid after careful checks and talks.

If nonQM, most lenders have a $100k loan amount minimum.

However, we backed out of said deal because we found out we would only qualify for a certain amount of money on a second loan that was way too low for the market I live in.

The seller would like have to carry back 5% - 10% and it would be unlikely to work for the property that is 68% occupied because the DSCR would probably not support an 85% LTV loan, unless you are getting an absolutely screaming deal.Do the 140 units need rehab?

Do you get a loan servicing company or does the buyer pay you directly?

With a loan I took against my retirement savings, I have the cash for 25% down and then some, but I'm hoping I'll have some financing options based on the work that needs to go into the place.