financing

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Hi out there, I'm looking for suggestions on financing when your'e not dealing with the seller and you need to get outside financing. I found a piece of property that's a great investment and I'd also like to live in it at least short term. The problem being, the price is 200000 above our current mortage. I know we can swing the payment to what we currently pay by using the rental portion of the house(currently rented) and by lease optioning our current home above market rent. How do I get the bank to see it that way. They're trying to say in order to qualify I'd need 10% down and would have to swallow a higher interest rate. Are there other ways out there and should I ask about some type of owner carry? I not sure how that works. My objective by the way is to pay the same or less out monthly for a more expensive home that has a much higher appreciation than my own. Pretty creative huh! grateful appreciation in advance for any and all suggestions. Namaste! oh oh

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