Hard to find financing on Property less than 100k!

[Shawn C Steider]

Is it just me or is it extremely rare to find a conventional loan for about $50,000? I have been going to all the banks in my area, and all of the online banks available to me through bigger pockets and so far, not one of them will extend me financing for a 50000 4-unit with 30% down. It is extremely frustrating that i could buy a car(depreciating asset) for the exact same amount of money, but because it is real estate, no one wants to have a loan that small. I am just starting into the real estate investing world, does anyone have any suggestions? if i was to get a hard money loan, would i be stuck in the same position not being able to find a Refi?