creative financing ideas for a triplex deal rochster/ upstate ny

[Susan Clark]

Im looking at a triplex in my town, the owner seems motivated to sell, the home is in ok shape, older furnaces, newer windows, separate meters, taxes are almost 4k, income is $1575m assessed at 75k. the seller is tired of the hassle,and needs to evict a family member.  upon talking to him several times he has said he really wants to walk away paying the mortgage off (12k) and  a funeral expense (5K).  My idea was giving 4k down and $75-800m for 5yrs then pay off the rest at the end.  giving him his top dollar, the other option was finding a money lender for long term lending and paying him off at say 50k. my problem is the up front money.  I don't have 18k to have him hold the mortgage and a money lender may ask for that much or more.  Any creative ideas for me.   I own 1 single family now but haven't found anyone who will refinance because I'm so new and my W-2 income is very low 17ka yr. ideas would be helpful. this property is very under managed and I believe I could increase the profitabillity of this property and get better tenants as well.  Please helpme see other ways to approach this seller. Thanks