Can someone give me a helping hand???

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I'm a newbie and have prequalified financing via E-LOAN,
(up too 150,000) which because I'm an investor they are asking 10% down plus closing costs. I haven't located the exact property yet however, I am looking for single, mutli-family properties in Baltimore, MD. E-LOAN in practice doesnt, in most cases finance mortgages under 100,000 because they make little money, plus its difficult to resell the loan to another company. If I find a property, for much less it's going to cost me a higher interest rate, plus 2-3 points.

Should I still go with E-Loan or are there better options? Also, are there any brokers out there that finance loans from 30,000 and up? And lastly, let's say, I find a property for 55,000 but needs 5,000 in upgrades, how do I finance the property plus additional funds for the upgrades? Any advice, would be great.