Creative financing for money down

[Micaela N. Wolfe]

Could use a little advice. Really itching to make the first jump into the STR's. Looking to purchase a property in the smokeys somewhere (not necessarily Gatlinburg since the market is a bit out of our price range.... I think). We get approved for the loans and everything and get ready to secure our down payments and hit a brick wall every turn. Don't have quite enough in savings, thought we would pull from retirement but discovered pulling from retirement places me into the next tax bracket and will get smashed with taxes, then try to get a HELOC and appraisal comes in crazy low, giving us a super low HELOC. Not sure where to get additional funds to put down. Obviously new so still learning of all the financing options out there. I'm frustrated none-the-less. Ideas?