First Lender won't approve 2nd's payoff

[Donovan R.]

I have a Wells Fargo shortsale that will make a great rehab. I have a good BPO price and was on my way to getting it approved. However Citi Financial who has a small second will not accept a 10% payoff for short sale. Here are the numbers roughly

Wells Fargo $138k
Citi Financial $14k
BPO - $70k

Contract $66,500

I sent a 10% offer originally to Citi which they countered to 25% of their loan or $3,500. I sent this to Wells Fargo and they denied it, tried again with Citi at 10% (WF's maximum payoff) and they countered at the same payoff.

Is there anyway to make this work like having the homeowner bring the difference of the second lender's payoff to closing? Thanks for all the help, this thing has been a pain!