I know Meridian bank offers a product like that but often the problem is that it needs to be non-owner occupied for hard money.

@Nidal DaraisehUS Bank has a construction to perm loan product.

Try to find a product that has an add value ability from the exterior items, the interior concept including washer and dryer location.

Or what financial products should I use?

@Ilya Aksenov the FHA 223(f) loan product is used for multifamily units over $1Mil.

A commercial greenhouse can product about $50,000 a year in income.  

There is a software program; Find Motivated Sellers Now offered by Kent Clothier & Chris Richter and his group and now what appears to be a competing product from Cameron Dunlap called; Vacant House Data Feed.Anyone have an experiences with either of these software programs and how have those experiences been?

FHA's website states: "Minimum credit score requirements for FHA home loans depend on which FHA loan product the applicant needs.

I strongly recommend an American Express product as soon as you can get one.  

Where as the bank you are talking to only has their rates and their products.