Financing Options: With 20K, how should I approach financing?

I, being new myself, was considering a GURU approach.  

Be professional, but also authentic and approachable.

Quote from @Jeffrey Hill: There are a couple of challenges with financing the difference. 1) The current servicer has to approve it. 2) Finding a lender to do a 2nd mortgage at 100% CLTV is almost impossible.

We are everyday approaching a European model where people own less and less of both land and buildings. 

Manny challenged that.

Can try to reposition to Class B, but neighborhood may impede these efforts.Vacancy Est: Historically 10%, but 15-20% should be used to also cover tenant nonpayment, eviction costs & damages.Tenant Pool: majority will have FICO scores of 560-620 (approaching 22% probability of default), many blemishes, but should have no evictions in last 2 years.

Of course, it comes with many different challenges.

If you sell, you’ll likely face a significantly higher rate on any future purchase, which could make finding a cash-flowing property challenging.

They would offer a more hands free approach, but eat up the profit in return.