If its a small business loan under an existing/new LLC then the banks typically look at the income generating ability for the property in question more than your personal income.

Depending on how much you can rent out the other units, and how much you have to finance, you could potentially generate some substantial cash flow. 

If you drive a lot the podcast are a great way of passing the time and start the process of digesting the content here on BP.Start Here First....The Ultimate Guide to Real Estate Marketing: 10 Tools to Generate Unlimited LeadsHere is another good place to start by reading some top blog posts here on BPhttp://www.biggerpockets.com/renewsblog/author/antoniocoleman/

The problem is that without money, it is VERY difficult to generate consistent leads.  

@Nicole Starnes It might be time to step up, and just buy it yourself (for $65k) and then become involved in the other things that make being an REI interesting: arranging for and/or carrying out some rehab; then renting it out for it's positive cash flow (which should easily be generated, because that's why it was a great deal to begin with, right)?

Give your name and number and ask them to respond if they are interested in selling or maintaining the house to local and county codes  since it is clear that the house needs some maintenance. .I use the code approach to push the issue that their asset is declining and see if you can help - maybe they got cited already by the city - I find it generates more response than just a I BUY HOUSES card. good luck!

A 12% return sounds like a solid option, especially because it will generate some cash flow for you.  

I am currently using his company yellow letters.com for my first mailing and it seems to be generating a good response.

If you're more than half way, selling may not be the best option.There may be creative ways of generating income or using equity from this property without selling it.  

It will shorten your learning curve and still provide an avenue to generate a little income during the learning process.