Small loan on cheap Duplex

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Hey everyone! I am looking to buy a 40,000 duplex in Birmingham Alabama. My bank won’t do loans under 50k AFTER a 25% down payment. I am looking for advice on getting the lowest rate possible with the smallest down payment. Would a local bank be the way to go?

@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.