Since the sellers are opposed to seller financing, consider exploring alternative financing options such as traditional bank loans, private lenders, or hard money lenders.

After spending thousands of dollars, I had to get someone else to fund my loan.

so in the eyes of an underwriter, when I take out my next loan, will they see this as a loss?

I currently do not have any student loans, car payments or other debts besides my mortgage. 

I have educated myself on 2-4 unit duplex/multifamily with the hopes to live in one and do a 3.5% FHA loan and then resell after a year.

The current condo I own is non-warrantable which eliminates utilizing traditional loans. 

As a college student traditional financing won’t work for me anymore as I already had to get my father to co-sign my 1st loan.

I am currently  in the process of purchasing my next primary home in GA using a VA loan and my own savings as a down payment. 

The balance on the Loan is 40k.

@Bill Brandt Here's the breakdown: Bought it for $4.95MEarly loan payoff is ~$175k ($5M @5% 30 yr fixed investor note)Conveyance Taxes ~$90kImprovements $1.6M ($400k done on lower property)...