Finding a lender

[Luke Diem]

Hello, looking to start real estate investing in Michigan in the Genesee county area. More specifically looking to start in Montrose, Clio, Flushing and Birchrun. I have found a duplex in Montrose and have ran the numbers on it. It currently is fully occupied with cash flow. there are a few changes that can be made to increase the cash flow that the current owner is not doing (Charging tenants for the water bill, increasing the rent a bit and updating the units a little. The only issue is I can not find a bank to lend the money, even with offering 20% down. would greatly appreciate any advice!