Need to take out a loan to make updates...what's best?

[Oni Sadiki]

I purchased a duplex and started making updates (before I joined bigger pockets). I ran out of cash and now need to finish up.

Options:

1) I have heard about interest only payments and refinancing at the end, but I don't know how to find these.

2) I also heard about a program called Homestay  that provides the renovation money and then refinances all in one. the interest rate is a bit higher than a regular refinance since there is a loan involved. but is doable.

3) is there an option 3??

It's barely been a year so HELOC and home equity aren't there

Thank you in advance for your comments