Funds for deals that are below lending requirements

[Cesar Schira]

I have two deals under contract in my local market in Georgia. Deal 1- $75k asking price, ARV $98k rent: low end $900 high end $1100. No repairs needed recently remodeled by the owner. Deal 2- $55k asking price, ARV $90k rent: low end $850 high end $1000, needs $10k in repairs and upgrades. They are both from the same owner, willing to sell individually or together for a total of $125,000. The houses are located in a military town were the is constant demand for rental properties. Now the downside, my credit is a little below to ask for a conventional loan so I was rejected, hard money lenders are asking for a minimum loan amount of $75k, after paying down payments they won't qualify for their minimum, they can do a dual collateral(portfolio loan) but it takes more money and more time and i don't have either of those. I gathered as much private and personal funds as i could but still not enough, the seller won't take any long-term agreement for payments (both houses are free and clear) he will give me an only a year to pay the total of $125,000 but he wants big payments every month, and i can't possibly afford that. I have tenants on my list waiting for those houses. How can i make this work?