Deal funding question

[Paul Altman]

Hi

I know a lot of HM or PM lenders will not lend more than a certain percentage of a propertys current value (I've heard 65-70%) to someone looking for funds to rehab a house. I understand they do this to have a better chance of recouping their money incase the borrower falls through and have to sell the house but I am curious about how borrowers typically find the additional money to fill in the 30-35% as well as the rehab costs they couldn't get from the primary lender.

Are the borrowers expected to have some of their own funds to contribute to the deal or is it standard for them to find other lenders to fill in the rest of the needed capital? Thanks