Starting a flip with no money

[Kadisha Ledford]

Hi! I know this may sound like a complete newbie question but I really need help. I want to ‘fix and flip' a property but I'm not sure what borrowing route is the best to take. My credit isn't that great, and my brother is willing to co-sign a loan with me however, all the hard money lenders I speak with don't lend to individuals, only LLC's. Is there any way to get around this? Possibly with another type of loan program? I know of 203k loan but if I'm not mistaken those types of loans require the owner to occupy the property for a period of time which I would not want to do. Lastly, If the lender requires a down payment would it be wise to borrow the money for the down payment in addition to the loan for the property?