not sure of your details and whether this is an option, but I have always benefited from doing lease-to-owns with my properties. in your case, assuming the renters are interested, they would put down a reasonable down payment. you could potentially increase their rent a little, and then give them a portion back. it is a win for them because their money is going towards something and they have the hope of being homeowners, furthermore they take better care of the property and you can even put in the contract that they are responsible for repairs. it is a win for you because you get a down payment that will help you get over this hump, and if they default or decide not to buy it, you can start all over.