Financing a unique property

[Lance Rogers]

I'm working on financing a 4 acre property in Rock Hill SC with a unique home. The home is a 4 car garage with a 2 bedroom apartment on top. There is one bathroom upstairs and one downstairs. I was approved for an FHA loan, but we have not been able to get an appraisal so I have started to look elsewhere. My credit union agreed to finance it with 10% down, but came back today saying they would only finance 50% due to the home being unique. I've applied to a few other lenders, but I think they will probably say the same thing. My plan for the property is to live in the existing home for 1-2 years and then use cash to build the main house. What else should I try to close the deal?