Newbie first deal, Money HELP

[Melinda Jackson]

I've been learning, studying, and running numbers for some time. A MF, turnkey unit jumped out at me and now I'm trying to figure out how to finance the deal.

The owner is deceased and the property has been listed since early January 2019 for 25k, 9-16k under market value. Most hard money lenders wont touch such a low amount, my credit is on the fringe of getting traditional loans, and the "seller" is an elderly person who doesn't understand the owner financing concept.