Creative Financing for Downtown Condo Investment

[Nikita Odnoralov]

I just closed on a condo downtown Denver that I was going to flip. Bought it as a quick flip BUT I've fallen in love. I want to keep it!

However, I don't want to sink 20% for an investment property right now. The good news is I bought it about $60K below market value.

What suggestions could you give me in terms of a 5% or 10% down investment loan product? I know this is a tough ask...I've heard it a hundred times - "most lenders will not do less than 20% for investment props." I get it. I'm probably not looking for "most lenders" I'm looking for a private group or some other product with a higher rate or something creative... I'm open to ideas and non-conventional loans. For example, a higher interest rate for a lower down payment...a ARM loan or something of the sort...I have excellent credit (upper 700's) and have done many fix and flips in my portfolio and also own a few homes which are either short term rentals or have long term tenants in place. Would love some ideas on creative financing. Thanks!