Property Offer/Lending Issue

[Jarrett Mel Williams]

I've got a property that is being sold at $44k. I believe they should accept an offer at $40,500 with no contingencies. Issue I have is if I put 20% ($8,000) then the loan would need to be for about $32k and I can't seem to find anyone who will lend this little. This deal is currently rented at $575 and market rents are $650 so they is room for growth and I have it calculated at a 16% Year ROI. Any advice on how to finance this property without using all personal cash.