Question about funding

[Glenn Mayo]

Here's a question. Hope y'all can help:

Let's say that i want to buy a small multifamily - say just a duplex. I apply for preapproval, and I get told that I am eligible for $135,000. Problem is, to buy a duplex in my area, I'm looking at a minimum of $150,000 and up, so they'd be priced out of my range. In this situation, what should someone do, if their only chance of getting into real estate is a duplex, and they aren't approved for enough to buy one? 

All your help is greatly appreciated.