Having trouble finding a lender that can meet my needs for DSCR

[Jon Riley]

First off, I am a new investor so don't assume something is obvious as I probably don't know about it yet.   I am trying to buy a 1952 12-plex. Seller wants 1.3 million I would suggest 900k but I can't find a loan that has a long term lower interest and lower down. I was quoted 75% coverage ( 25% down) up to 20 year term and 7.95 - 8.95 interest 

I was hoping for 20% or less for a down on a 30 year and of course as low an interest rate as possible.  Any ideas?  I would appreciate it.