Need some advice on multifamily

[Ryan Neris]

Hello everyone,

Let me preface this by saying I know enough to know there are many different variables but let's assume I don't know anything.

I'm looking for general advice on two potential deals:

I'm living in a duplex that is now off market,I want to make an offer but not sure how best to structure. The owner has had this property for about 7 years and was selling it for 70k. The rent is only 550 and the place needs some repairs which I can mostly do myself. The problem I'm having is my credit took a hit and I don't have enough for a 10-20% down payment. How could I go about this?

Second potential deal: 

Building directly across the street,60k FSBO. Owner is 90 years old and owns property free and clear. It's a duplex with 3 garages. There was some fire damage but again i know how to do most of the work. He wants cash only.

This Is In Philadelphia If that matters to anyone

So hard money,subject-to,seller financing?

I really have no clue

Thanks in advance,

Ryan Neris