The seller isn't willing to match the appraisal so we are at a bit of a crossroad.  

I qualified for a 1 to 1 match on an any savings I have in the bank right now from bb&t bank so once I send my bank statement, according to the underwriter from the bank, they will give me an unsecured line of credit for about $5-$6k (my current savings).  

Your ARV LTV is between 60-65%, which is bread and butter to most lenders also.Talk with many lenders and find one that matches well with what your strong points are (credit score, potentially income, potentially reserves), that you believe you can work well with (responsive, knowledgeable), and that has some experience to complement your lack of experience.

@Joseph Cornwell Thank you for your inputs,I agree with your analysis.My investment strategy is value add apartment building (15~20 units) in neighborhood B/C,I know east side high levelly better than west side,but I am open to west side as well as long as I can find good deals and team.So right now I just deeper my understanding of the west side of Cincinnati market,hope I can identify decent area and deals/teams to match my target.

This can be say a quarry that matches 2, 3, or more lists (table fields).

It can be challenging to match up his funds amounts with the opportunities as well. 

The one with particularly ugly brick(black, oranges, yellows) I matched the brick to Behr Pumpkin Butter and painted the wall around the fireplace as an accent and painted the rough cedar mantel something different, lighter creamy yellow.

There have only been less than 20 sales this year in the area, and from what I could tell only one of them was a pretty great match on the comps. 

I can't, however, credit PoL for seeing to it that the interest and the returned principal matched the amount I originally invested, as they did not provide any further details suggesting that they took care of things.

It seems as though my taste in properties does not match my capital for the common 20% down requirements.