Tried numerous attempts without 20% down, but need it in order to get loan. Any suggestions?

[Ryan Woodward]

Any help is awesome. I have pending a property with 2 separate houses on one parcel. 2 bd, 1bth, & separate garage + 1 bd, 1bth, & sep. garage. Asking $145,000. I have $10,000 in bank, $10,000 in stock market. 1. I have tried going FHA, but no comps in the area, 2. I have tried going USDA, can't because of the investment potential, tried going 3.5% down on conventional loan, but didn't get approved because of MI companies rules. Looking for some tips on what to do... Should I ask family and friends to loan to me with a decent pay back rate? I would like to live in one property & rent the other one out if it matters? Any suggestions help!