I like how smart bankers are. When I was trying to but my first house I went to a bank and applied for a loan. I was paying 60% down, had a job that would enable me to pay the loan back with no difficulty. The smart banker turned me down, said I was 21 single and a bad risk.
This property was four acres and a house. My uncle asked a friend of his who did not even know me to co-sign for a loan where I could buy the house and one acre. Then at a later date buy the remaining three acres.
I paid off the co-signed loan and bought the remaining three acres a few years later. The co-signer became a life long friend. And I saved a ton of money by not having to deal with the bank and their B.S.. That bank actually did me a favor at their expense.
Ask about a contract for deed from the seller. Increase the mortgage on your house. There has to be another way.