Finding finance for low end properties. when credit score 500+

[Carlton Johnson]

I have a town home in the Frayser area that is a 3bd 2 1/2 bath with a balance of 4k owed on it recently new carpet, painted .  I currently rent it for $650 a month would like to pay off this month (October 2018) but lenders want me to take more the property current value is 12,500+ Where can I find such low cost lending to aid me in borrowing 5k and payments over 24 months.  I would like some creative financing.  Any suggestions