Financing with a loan under 100k

[Jesse Smith]

I have a duplex under contract at a great price. $112,500, with neighborhood comps at $145,000. Rent will be $1,850 total vs a 30yr PITI around $730.

Unfortunately, when I apply for financing, banks jack the rates for loans under $100k (after 25% down payment).  Others have a cut off of $125k.  The rate jumps from 5.5 to 5.875%

Any large/national lenders that don't do this?  Other ideas?  I can't borrow from community banks, bc my wife is a federal bank regulator.