How to cover lender's cost of the loan

[Miguel G.]

I have a lender who only lends on 65% of the ARV with a 15% yearly interest rate. However, I gotta pay 5 points and $3000 in other fees. My monthly payment of course is 15%/12 months. The problem is that I don't have the $12K plus in lender costs to complete a deal? Should I ask 2 hard-money lenders to lend me money? Or should I put the lender costs on a credit card? I'm not gonna lie, I don't have a lot of cash but I've read way too many books, webinars and other material. I need a little bit of advice.