This is a small apartment complex for all intents and purposes. So a commercial lender would probably only go about 65-75% loan to value. Assume maximum leverage you would have to come up with $125k down payment. I don't know what the exact terms would be but I'll just throw out 5% interest and a 25 year amortization which would equate to annual debt service of $26,307. Assume operating expenses run 50% of effective gross income, your actual occupancy rate is 90%, and you have replacement reserves of $300 per unit per year. That comes out to net operating income of $20,693. That's a cash on cash return of 16.6% which is pretty good. But you might have deferred maintenance and operating expenses could be higher than 50%. Would you be the on-site manager or would you pay someone (possibly offer a tenant free/reduced rent on a unit)? Finding a management company in a small town might not be possible. Repairs and maintenance costs might be higher due to a lack of contractors. If your operating expenses ratio is 60% or 70% then this becomes a less desirable deal obviously.
You have three options:
Seller financing, perhaps only for a portion.
Find an investor to partner with, thus giving up a significant (likely controlling) chunk of equity.
Put it under contract with the right to assign the sale and flip the contract to an investor who can afford it. You might be able to get $5-10k for bringing an investor this deal, though there's not as many people who want to buy 20 units in a small town.