Owner Financing

I am looking for Owner Financing to buy a property in Il .How do I find any owners that are offering that ? Is there some web site for that purpose? How do I search for this kind of purchase? I am tired of banks that not use common sense.Was looking for loan with 30% down.And cost to buy a house less than rent of that same property .The banks are just not giving loans .I was asking for 40k loan and 20k down , and stupid people in banks said no.I dont get how $750 total housing cost is risky if rent is $1200.I don't get how that is risky if my income is 3600 per month plus my wife income. When did the banks stopped using common sence? And the best question I don't get : if rent is $1200 why would I not be happy to pay $750 for that same property?Why would I fail making this payment ? Where is the common sence in that? Where would I live if not pay $750? Who cares for some stupid credit scores?My credit score is down for one reason only , I stoped paying my mortgage payment .My total housing cost is $1800 when my property rent for only $1100 . That is a called losing money.However banks were more than happy to give me that loan. Put on the scale $750 vs $1200 and will clearly see that this loan makes more sence and has 100% . I just don't understant this total nonesence from the banks.