Its tough but generally traditional financing will go off the past 3 years of your tax returns.

If we went with traditional investor financing were probably looking at tying up at least 60k just to purchase the property, not to mention the rebuild costs.

In Chino, on the western edge of San Bernardino County, the heart of the region's Basque community, the boarding houses have all shut down, one by one, as the young men who traditionally lived in them moved into their own apartments and the sheepherders of the West disappeared.

      - Rich Dad Poor Dad.

If accomplished, enhancing the latter would be great.Much of what I have learned so far has come from American sources like 'The Book on Rental Property Investing' by Brandon Turner, 'Rich Dad Poor Dad' by Robert Kiyosaki, Real estate books written by Ken McElroy, and of course the Bigger Pockets podcasts. 

Other alternatives are selling the property to purchase a stick built rental,  something that will appreciate more and qualify for traditional lending.   

Traditional owner occupant mortgage with 5% down How did you add value to the deal?

Read Rich Dad Poor Dad if you haven't already.

So I decided to go online to find out what rich people do with small sums, like $10K.A Kris Kohn video appeared and he mentioned that you could buy a small business and possibly put only $10K down.I’ve found a few websites that caught my eye and there was a Pizza Place that appeared in my area.Now, I have significant knowledge working in an industrial kitchen because that was my primary job in the military, so I know what everything should look like, but I don’t have a lot of knowledge about a civilian Pizza shop directly.  

If you have yet to read a book on real estate or find that the idea isn't really for you, then I recommend you start with 'Rich Dad Poor Dad' and 'The richest man in Babylon' since they are both written as novels but can help change your mindset.Good luck.