Hello all!  I'm a young, enthusiastic investor from the Flint Saginaw area of Michigan, and am in negotiations for an off market, turnkey 4-Plex about an hour from me.  The owner, who is older and owns it outright, wants $90k for his investment, and is reluctant to finance it, fearing he won't be around long enough to see the money.   He wants me to go through bank financing. $90k is an incredible price for the Quad, but, with bank financing wanting 25% down ($22.5k), closing costs and having money in reserves, it would unfortunately consume all the capital I have.

Being young and of still limited capital, I naturally want the highest and best use of my cash.  I have the opportunity to House Hack another 4-Plex in my home down (which I'm also pursuing) and "wholetail" with my father, both of which wouldn't consume all I have.

I respect this man's time, and I don't want to leave him hanging.  But, in the same breath, I don't want to pass up the opportunity to create steady wealth and a strong future for my family.  Is there a creative way I can get into this deal?  What would you do if you were in my shoes?

I appreciate your time for reading this and helping me out.  Best of luck to all of you :)