.- One commercial bank I've spoken with will bundle all three properties into one loan, however will no approve me due to debt to income ratio; I have a mortgage in my name for my father in laws house (he pays mortgage and resides there) so they see the debt but no rental income.- Hard money will do the loan but with rates at above 8% with sizeable origination fees and significant pre-payment penalties.I was hoping some of you seasoned folks could help me figure out some creative financing solutions for this little conundrum. :)

It seems like you're figuring your debt service into your direct operating expenses.

Depending on your financial position, you may be able to do both SFR/condo and try a small apartment through refinance of existing properties and/or the use partners.  

See the following for a list of lenders. https://www.biggerpockets.com/blogs/3441/51027-nonrecourse-loan-debt-for-self-directed-solo-401k-investment

This is to ensure that any subsequent investment decision is made dispassionately and without any biases regarding your impression of the property.I would hire a qualified appraiser to assess the condition of the property and rely on financial due diligence and investment analysis when making my decision.All the best!

I have 750+ credit score and no debts.

@Kevin KellyMost Lenders will want to see at least a 1.25 Debt Coverage Ratio.

We have been using creative financing options to this point in order to maximize opportunities and due to limited financial resources of our own.We have what seems to be a great opportunity to buy a triplex in Salem, Ohio via seller financing; (my husband and I analyzed the numbers, taking into account cap ex, possible vacancy, management, etc. and it is a great opportunity numbers-wise.) 

I have been a licensed Real Estate Agent for almost 10 years and have also branched into wealth and risk management as financial advisor.

I'm looking at getting a private money loan from Jordan David Financial Serviceshttp://jordandavidfs.com/Does anyone have any experience borrowing from this lender?