What you could do is find a loan guarantor- someone who will help you by bringing their net worth to the table- and partner up with them.

We had to pay all utilities except for water and the house only came with 4 bed frames, a small couch and a small dining room table. 

I know in our portfolio, we have a few a month that rather than renew, they are electing to take their chips off the table.  

This is free money you are leaving on table if you are not at least investing up to the match. 

Also, as a passive investor, can anyone give me the broad strokes of any tax benefits they may also be entitled to similar to a solely owned piece of real estate or are those deductions pretty much off the table? 

Maybe a folding table and side by side units.

I have it listed and an offer on the table for the asking price of $129,900. 

(Normally I can do 75% LTV but the I don't have enough cash right now to come to the table with an extra $62,500)I’m having a trouble finding a lender that can go up to 80% on an investment property, any advise would be greatly appreciated.

Under normal conditions, if a broker or agent came to the table with a buyer I wouldn't begrudge paying the commission, but in this instance, she is representing herself in a private transaction.

They generally fit a different category for financing and given that you have been turned down for refinancing, odds are good a HELOC is off the table.