Offer accepted, loan denied, I need creativity, please help.

[Jonathan Johnson]

Found a 4-unit apartment/house that we plan to move into. We put in an offer and it's been accepted. I was planning on getting a VA Loan but I needed my wife's income to qualify for the loan but she just started part time to take care of our new kid and part time disqualifies her income if it's less than 2 years for any government backed loan (VA, FHA, ect.).

Here's the offer that was accepted:
Purchase $144,500
Rents: $600, $550, $450, and $600. We would take a $600 apartment.
Up to 4% in closing costs. ($5,780) and this can include the first year insurance and loan fee.
$4,500 cash back at closing for remodeling/repairs, regardless of inspection results.

My wife is supportive of my real estate dream, but probably won't go spending a lot of money on a down payment. She's already looking at other houses that we would qualify for. I've been thinking of creative options to still get this house with no money down, even though our income doesn't qualify for a VA loan.

How would I go about some creative financing? I've heard people offer the seller a note for a downpayment, but I've never done that and not sure how to offer it. Any ideas?