FIRST DEAL questions!! Banks or Hard money lender?

[Jordan Alquran]

Hello everyone! 

Thank you for taking the time to read this post, this is my first one! My name is Jordan, out of NE Indiana, and I'm getting ready to purchase a 4 plex rental property. I'm looking for some advice, as I CANNOT pass up on this deal. 4 unit property for $50k. Possible gross income of $2200-2300. ARV: $65-72k.

My situation is that I currently have a mortgage, with some student loans, have never missed any payments, and have a credit score of around 640. I make roughly 40k a year. Do you think a bank would still give me another mortgage or should I try hard money lenders? Thank you in advance!!