Seeking good financing terms for apartment in Detroit area

I'm currently looking into my first apartment deal, a 10-unit apartment in the Detroit area, but am having a hard time finding good financing terms, due to the relatively small amount of financing I'd need, which is about $350,000.  Some lenders tell me that the loan amount is too small for them to deal with.  Other lenders are willing to consider the deal, but only want to provide up to 15 year amortization schedules, which puts a big ding in the cashflow.  I did find one lender that was willing to do a 30 year amortization, but wanted to charge as high as 8%.

My ideal loan would be a fixed rate loan with a minimum 20 year amortization schedule (25 years or more would be better) with an interest rate of no more than 6.5%.  My credit is excellent, and I would need between 70% to 75% financing.

Any referrals to reputable lenders who can meet these terms would be greatly appreciated!  I'd especially like to hear from Michigan investors or others who have financed apartments in Michigan.