"Farm" Loan with under 20% down?

[Joe Edwards-Hoff]

So, I found a home that I would like to buy. It is on 20 acres and has 10 acres of cherries on it. I don't intend to work the cherries (the current owner leases them), but because of them, I have been told that it qualifies as a farm and I cannot get a conventional mortgage. All farm mortgages I have found require 20% down and I cannot afford that right now. I could do 10%, but not 20%. Any ideas?