Any responsible way to recoup down payment for Investment Property?

[Kyle Pettit]

My question is this: Is there any reasonable way to recoup the %20 down payment my bank is requiring for an investment property I'm looking to purchase. I'm new to RE investing and looked through the forums and didn't come across anything that matched my question.

The deal is this: The property is %85 complete (new construction). It will have an ARV of approx. $68k (county assessment), and approx $75k (comp. market value). The owner has accepted my offer of $46k. The hold up for me is the banks in my area are all small community banks requiring %20 down payment for either type of loan, personal, construction, commercial. I plan to use the property as a rental as it will be a great cash flow property.

What would you experienced folks suggest?

Thanks for your input!