CREDIT UNION OR HML (HARD MONEY LENDERS)

[Kevin Vest]

We have a VA loan on our primary house and looking to buy a house to flip (possibly brrrr) that is one street over. I can't help but consider the convenience of the close proximity. BUT, 25% down would put us near the top of our budget and there are many cosmetic updates needed for the value add, I have the tools and know how, we have done two live in flips. We could put materials on the Lowe's card but curious would a credit union consider less than 25% down or is that only likely with HML (hard money lenders) ? Thanks