Jason:That is an expensive solution for something that can be handled without any investment at all.  

I am estimating that there is still about $5500 worth of work to complete the project plus the dishwasher, refrigerator and some bathroom items (that I have already paid for).The gentleman and I still have a relationship and he is paying for a guy to come work when he can afford it (telling me he is building mobile homes for $12/hr during the day and managing the night shift at McDonald's to cover bills and my work).

A lot of us own equity together in certain wholesale projects due to us actually being able to afford them with ease with multiple people involved in it. 

Does anyone have any suggestions for locations in the mid-west with affordable multi-family inventory?

Without seeing the specifics, it's tough to provide specific solutions.

I go to SA often and have been looking to invest there as well since values are still very affordable.

If you COULD afford to pay a hard money lender/partner the down payment at 10% over just 3 years, get a refi for 15 years and make payments as if you were paying the HM lender.

Getting specifics without a deal isn't easy.Additionally, a bank isn't going to want to feel like you can't afford the extra 5% -- at the end of the day you're going to need cash for repairs and what not.

If you cannot afford multi-units in your area, consider investing where the numbers make more sense.

I’m looking for scalable solutions as we grow our portfolio.