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How long ago was this? I wanted to do something like that in 2009, but banks refused to write a loan that small because (with laws limiting origination fees to a percentage of principal etc.) there wasn't any profit in it. (I ended up buying a 3-bedroom house for ~$100k instead, and the super-cheap house I wanted sold for cash to a flipper, who put an addition on it and sold it again a year later for ~$300k).
As the landlord/creditor, you could've reported the on-time payments to the credit bureaus yourself, I think.
It was 2006.
Yeah, I think you might have snuck in shortly before the origination fees regulations changed. Lucky!
I'm also in a small town and used a local bank.