Found my first deal - need help funding.

[Melanie Kent]

Hello, I am a new investor and I am looking for a creative way to purchase a deal. I have a motivated seller willing to help seal the deal. The deal consist of 22 units which all have long term tenants. The only issue is because the seller is giving me such a deal on the properties the bank will not take separate mortgages under 40K. I need creative financing but again this is my first deal and I can buy the properties one by one or whatever strategy will work best. These are 11 duplexes tenant occupied. Does anyone have any advice on how to make this deal happen? The properties appraise for approximately 15-20K more than the sellers price to me and the bank says it's not enough to loan on.