My greatest deal is slipping away!

I'm having serious trouble getting a loan. I have a property under contract. It looks like this.\

purchase price = 95k.

down payment = 15% = $14,250

Renovation = 5K

ARV = around 140K

Closing is around 5k.

The bank (well Fargo) will provide the loan because a portion of the down payment is from a credit line that used. I've got 12K of my own money, and i used another 8K from (7.5% a credit line to cover the rest. I have already pulled the money out of the credit line, my account currently has 21K in it, but i'm having serous issues with the bank now.

I was even told that if I was given the money from a friend or family member, that i couldn't use it for the down payment or the closing, because it wasn't earned income..

Bottom line, i need help. This will be the third property we've purchased in 15 months, and best deal we've done so far. I can't let it slip away over this.

Any advice would be great.

As always, thank you so much to the bigger pockets community for everything!