Best REHAB financing options for rental property sale

[Robert Briggs]

Going to sell one of my rentals (Houston Area) and need to finance 30-40k and repay the rehab/ make ready loan after sale. 3-4 months . The property I'm selling has about 150K mortgage (250 ARV) and own another rental (230K (ARV) free and clear. Just seeing what the best option was to get cash for the rehab short term.

Cash out refi on the free and clear property doesn't make sense- has a min loan amount and all the fees (origination points ect) and appraisal ext.

Looked at HELOC on the rental, but is not allowed in Texas.

Will probably apply for a 0% APR CC for a lot of expenses/material , but still need cash for labor/ vendors.

Looked into personal loan , but 2 banks stated loan can not be used for investment property.

Personal loan through Discover was quoting 15.99% at 24 months . interest seems high

Any thoughts?

Private/ hard money lender? Personal loan , but tell them remodel for homestead?

Credit score around 790-800

Appreciate any incite.