Financing? I need a lender

[Isaac D.]

I have my eye on a couple properties, but I’m in a little bit of a bind due to time constraints. I paid my mortgage off a few weeks ago and the bank hasn’t officially filed a release or sent me a letter saying it’s paid in full. Ideally I’d like to fund the property with a Heloc, but I cannot because my mortgage was a piggy-back that’s still appearing on my credit report.

I can probably scrape together a 10% down payment, but it’d drain me off all my cash and I highly doubt I could find a lender who’d let me go with just the 10% since this isn’t my 1st home. Other than waiting the 30-45days for the release Is hard money my only other option?