@David Nelson The smaller the bank the better on something like this. I don't know any big banks that would touch this.
I'd call the smallest 5-10 banks and/or credit unions in Birmingham. You may be able to pledge a CD as collateral for a portion of the down payment.
@Josh Anderson recently posted a list of banks on here. One of those might work.
@David Nelson US bank does loans with a 35k loan minimum. I believe they will go lower but the rate would be higher.
Thank you. I will take a look.