However, my initial capital raise was only $187,500 and the overages of approximately $170,000 have been put on personal credit cards and I need to find a way to refinance those at something more sustainable. 

With an FHA loan and first time homebuyer credits, your out of pocket cost to buy will be surprisingly low.

@Ben Narro I’ve heard Wells Fargo offers a signature line of credit up to $100,000.

The reason we went with co-signing is because since we're young, I wanted her to be able to have more "history" of adult-credit like things so in the future it will benefit her immensely. 

They don't have credit nor grants nor file taxes.Is there some way they can get a mort or loan based on monthly donations as income?

I just read this: "Your companys SIC code can either hurt or help you when establishing and building business credit.

I don’t have 25k, my credit is maxed out.

@Mike HannemanYour post was overly dramaticYour property is done and rented so either eat the hard money interest for 6 months with less cash flow or go find a local credit union who will lend based on portfolio Not that hard

Is there a max % of seller contribution/credits allowed on commercial property?

Investment Info:

Large multi-family (5+ units) hard money loan investment.

Purchase price: $100,000,000

Cash invested: $500,000

Real estate investment

What made you interested in investing ...