I need of advice on funding

[Justin Escajeda]

Hello everyone, I just wanted to ask a general question. Everyone has always been so helpful so let me thank you in advance. The deal is that I am a buy and hold investor and have come across a probate deal that I want to buy. However, I require roughly 20k for purchase and rehab. I have pretty much maxed out my income to debt ratio and a mortgage is out of the question. I know that hard money is typically used for fix and flip deals, but would it not be in my best interest to use hard money at a high rate for a buy and hold? Like I said I am very open to advice and criticism. Thank you so much for your input.