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What can I do to get more (or better) quotes for my loan request ZR-YXVTBCR

it looks like major big banks don't agree to provide my apartment purchase since they said more than 50% are rental properties (they are ok with single family homes, up to 150k loan). I plan to buy one for investment. Each 4 bed-room apartment only costs $70-80k, I can put 30% down payment or more/less. I was asked to look for smaller mortgage companies, but don't know where to start or find trustable lenders.
What can I do? Other than property tax, mortgage, and HOA fees (not sure how much), what other fees should i worry about?
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October 28 2012 - Clemson
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