Both their financing and SEO power are better than you can ever be. 

With a combination of luck and hard work i was able to partner up with one of the biggest apartment brokers in the midwest.

With a combination of luck and hard work i was able to partner up with one of the biggest apartment brokers in the midwest, and join a commercial firm. 

We’re thinking about asking to combine all of them for hopefully around $300k.

Also, your expenses look a little thin:I like 8% Vacancy for MFR, this is super local, though.15% combined for Repairs and CapEx.10-12% for good Management, unless you already have a bunch of units under management.What about water/sewer, lawn care, pest control, and admin/professional fees?

Total size of combined lot is 14,900 sq ft. 

We combined two one bedrooms to create three bedrooms and two bathrooms.

So just to clarify, my girlfriend and I would be able to use both of our incomes combined to qualify for a larger amount, even if we are not married?

I.e. if they let me use their money combined with a hard money loan with no deed of trust. 

I was told that a previous owner had combined the two lots many years ago for some reason.