Can't get a 30k private loan: on current free and clear SFR

[Michael Zau]

I bought an SFR cash because the comparable sales within a mile were around 70k and the "as is" close now price was 20k. I figured that I could buy it, refi, get my cash back and then refi into a bank loan after 6 months of seasoning. Rents are around 800 a month. Anyone else have similar issues. (property is in St, Louis county, Missouri). If anyone can help my head scratcher on this one... I figured that at least a private lender could do it. And I have come with ZERO answers....