Rehab loan direction

[Lucas Mobley]

Just closed on 1st duplex. Needs around 20k worth of rehab to get where it needs to be in order to complete brrr for the purchase of a primary. Wanted to live in one unit and take my time doing the work over the next year and then refinance it. Things have changed on macro level since October however and I want to put this brrr into ASAP mode because of the fed taper and resulting mortgage rates creeping up the next year. It just makes more sense logistically to do it before the spring. I have no debt other than a car loan and this 1 duplex. Have construction background and completed one flip already. Tried home depot project loan and was only approved for 5k. Have three years with same employer as well. Could probably use savings and max out my credit cards and liquidate other assets and maybe squeeze by, but, it would leave my financial footprint looking rather sloppy and in rough shape when it comes time for refinance/next purchase. I have good credit. Just not a long history. Any ideas greatly appreciated.