Ran out of capital for renovation-How do I continue?

[Adam McAllister]

Long time lurker, first time poster. I bought my first primary SF in June 2020, before finding Biggerpockets. I have been DIY fixing the entire place and want to do a cash out refinance in the first quarter of the new year, however I have ran out of Capital to complete the project. I am 21 years old and make $45,000 a year, and have about $10,000 wrapped up in it so far, and need another $7000 to finish it the rest of the way. At the rate I make money and my expenses, it would take me another whole year of saving and spending all of my spare change to complete it. I need the project to move faster than that, so I am looking for advice on how to. My current options are a 0% APR credit card or a personal loan to finish and then cash out refi and then pay them off after. Looking for any experiences or advice to move it faster! I want to move to a duplex and househack or start a STR this year!

House details-

PP- $100,000

Conventional Mortgage 30 year 5% down $740 a month

reno total- $17,000

ARV expected- $145,000

800 Sq ft 2 bed 1 bath

C plus neighborhood in Cedar Rapids, Iowa