Every loan and different banks are at 20 or 25 year amortization. 

If you don't take the FHA route, you can expect to have to put close to 20-25% down if you finance through a bank or commercial lender.If you have a steady w2 job, some savings for a downpayment, and the price is right, I believe acquiring a loan for a fourplex shouldn't be too difficult!

I am a Business Process Architect at Commerce Bank, who is looking to start building wealth and retire early to spend more time with my family and friends without stressing about work anymore.  

Few options:  Non-bank lenders like Lima One and Visio usually do loans based on the performance on the property.  

I'll start with the failed deal-Put an offer in on half a duplex in Littleton, CO- FSBO. 

I've been trying to research raw land loans and from the (granted few) banks I've spoken to, they will not loan on raw land-they recommend getting a personal loan out at a ridiculous rate 10-15% interest (they didn't run my credit, it was just an estimate for a personal loan, but I have very good credit-around 760 I believe), to cover the land and then refinance to a construction loan once there is a well and septic as I understand...So was wondering what other options I had as far as financing and what others have used?  

It's a bank-owned property that needs new carpeting, paint and a good cleaning.

A little about me...Bought my first bank owned foreclosure about a year ago and renovated it myself from top to bottom.

My first thought is how to find the small banks or credit unions and how to go about the conversation? 

Going it alone without extensive knowledge and experience of the code is almost certain to fail.