I am located in Oregon and I found a multifamily property. It is currently rented and has consistently been rented for the past 5 year

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Needs some work, but no major structural damage, just looks old but it is in liveable condition and not too shabby

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Asking price is 175k

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Current verified rents for the past 2yrs: $2150 per month

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Location is rual but the property is zoned Commercial

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It cannot qualify for a DSCR loan because square footage on some of the units are under 500sqft and commercial zoning

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I will not take out a hard money loan, rates are too high.

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I cannot personally qualify for a loan because I currently own 3 other multifamily properties that all cash flow and operate with a 7 - 10% cap rate but my DTI is still too high for banks even though my other properties are seasoned with 5 years of positive cash.

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Any thoughts or suggestions?