Potential Investment Opportunity

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So I'm the beginning of beginning stages. I've been looking at multi units and been analyzing deals to the best of my ability. I've been listening to real estate investment podcasts for years, as well as reading all of the books I can get my hands on. I would say I'm a novice but book knowledge makes me feel very knowledgeable. What's holding me back is lack of capital with not many ways to save because of bills and such.

Now to the deal, it's a 4 unit with 9 beds and 3.5 baths. 250k. After running numbers the property will cash flow. I inflated all expenses and interest rates and even the rehab and the dscr ratio is about 1.4 in most cases. Im a contractor. I'm curious as to whether or not I should start calling local banks and tell them my plan or speak to the agent and see if the seller is interested in creative terms. Another problem is that the neighborhood doesnt look so great.

I need some help on how I should move forward, or if i should at all. Should I begin looking for hard money loans to cover a down payment? I'd like all the feedback I can get.

[Nicholas L.]

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if you don't have capital, i would wait and save up capital.  real estate investing takes capital.  don't buy the hype that it doesn't.

can you do a house hack or a live in flip instead?  if you're a contractor, do 10 live in flips in a row.

hope this helps