How do I have a hard money loan cover my rehab down payment?

[Account Closed]

I am looking to fix and flip my first property in a few months and have been looking at using a hard money lender (HML). For rough numbers I am aiming at 150K for the property and 50K for rehab. With this in mind, I have been saving for 20% down (30K) on the property with the understanding that a HML will finance 80% of the property and 100% of the rehab... however the more I learn about draws for the rehab, the more concerned I have become that I am underestimating the amount that I need to have set aside. To get reimbursed from the lender, they send an inspector to review the work after I request and then Ill get paid 2-5 days later. But if contractors want 25% or more of the project cost up front, how can I get reimbursed if that 25% isn't against a specific line item in the scope of work such that an inspector can sign off on it? Do I need to have more like 42.5K saved up (30K for the property and 12.5K for the rehab)?

Has anyone found a good way to work around this to maximize their leverage and avoid having to use more of their capital for the the rehab on top of the property?