How do I hold & rehab without using a hard money lender?

[Kathryn Carter]

Most hard money lenders are requesting down payments, which I do not have, but I believe I have a really good residential home in a great school district. I really want to hold on to this property, rehab and then flip. The estimated value is 115K and I am purchasing at 47K with very little work needed. Are there any hard money lenders with no down payments, no upfront fees that will loan on value only? Without credit am I limited to wholesaling only?? 

Thanks to anyone who responds

Kathryn