Hard money lending question

[Roy Means]

Im starting to deep dive into deals, finding comps etc. Looking for triplex and quadruplex up to about 100k, I'm just starting out. I don't have a significant amount of capital saved up. but My credit is in the mid 700s. The path I want to go is BRRRR. I would need a hml or private lender. If I decide hml, is it possible/good to roll holding/closing and upfront fees in the loan? Or would it be better to just get a separate personal loan to cover that? I also know Im probably gonna need 10%-20% down depending on the lenders rates. Im very eager to get started. Im forming my map to get this real estate process started. Having 10-20k upfront seems impossible if i would have to save to get there. Im willing to leverage my credit if I know the deal is a good one. Any tips? Or experiences with little money but decent credit?

Thank you,