As I've been hunting for the right duplex-fourplex, I've gotten as far as applying for a deal I'd found, only to find out my credit wasn't sufficient.My goal: purchase a small multi-family unit needing a light-medium amount of rehab, but I don't want to come out of pocket very much.First Question:  What options do I have?

Some of these options will even go to 80% LTV on a 2-4 unit investment property, which is rarely done because the rate sucks, but in your case - where the rate is going to suck anyways - this is you "making lemonade" when life gave you lemons... maybe there's a scenario where keeping that 5% in your pocket lets you improve the property such that it cashflows even at that higher interest rate.

I am new to Bigger Pockets but not necessarily new to Real Estate. 

@Surya Kumar what you can do to minimize your out of pocket money at closing is to have the seller pay as much of your closing costs that the lender will allow.

I found them on the Bigger Pockets resource page.

I regularly hear of pocket and off market listings that never hit the MLS and most of those deals have ended up being the ones that are most attractive to investors.

@Jared Smith first, welcome to Bigger Pockets! 

What better place to do it than bigger pockets.

Because people will pay $5.25.I understand that, but assuming a cup of coffee is not gonna drain your pocket and a million dollars will, im not sure that is a likely scenario for 99.9% of investors out there.

So my Upfront/out of pocket cost will be right at $16,000  +  $35,000  needed to repair/renovte it Total cost =  $50,000  ( rounded ) The ARV should come in at  $125,000 So is that  $75,000 worth of Equity in the Property, enough of a reason for them to feel comfortable in lending me the  $35,000  " against " the Property ?