Private money or hard money under 50k

[Menalik Archer]

I have a duplex under contract for 48k. The bank I found that does mortgages as low as 30k tells me (a month into the process) that I can't use funds from my LOC or a gift to supplement the closing costs. They told me I could in the beginning. I don't want to lose my deposit. I've spoken to several hard money lenders and private lenders but they will not lend less than 50k. Any recommendations on who will work with me to get this closed quickly?