Find a commercial mortgage broker.
Ask him about securing a ‘blanket mortgage.’ Find out what the qualifications are, and work to meet them.
Ask how a blanket mortgage will effect future borrowing, etc.
There is a way to go forward.
Meantime, why not begin to become more acquainted with ‘creative financing.’
Back in the day, we had our own troubles getting financing, because of similar hurdles. This isn’t a new problem for investors.
Because of that, we looked for ways to take over loans, wrap mortgages, and have sellers carry back some/all of the financing. I think you’ll discover that many sellers are happy to finance you in return for 10% down. They just will. And it doesn’t have to be your 10%.
One of the wholesale flipping whales near me, routinely borrows 10% down payments from private sources, and offers it to sellers, in return for long term financing. It’s not necessarily high leverage either. It’s bargain pricing with leverage.
Some sellers, would rather have a steady, sure income, from an otherwise vacant rental house (without managing it), than get more money, or manage a rental, and/or have it taxed to death, and end up netting less.
Think about this: Selling on an installment sale, allows you to pay taxes at a lower rate, and over longer time, than is possible just cashing out. Offer that benefit to a seller.
Meantime, make friends with small credit unions, small banks, and anyone who likes to loan private money on real estate.
Or, consider bigger deals. Commercial lending is a whole 'nother ball game. The bigger the deal, the more people are interested in helping you buy, and borrow money to buy. If you get serious, you’ll discover how to get into “units” with none of your own money.