Rehabbing a house, looking for financing options

[Chris E.]

I have a house that I bought 2 years ago from the county through a tax foreclosure sale. (Was a hoarder house) Has been vacant this whole time. I had the roof replaced right away and I gutted the majority of the interior myself and then I had a few shady "contractors" rip me off on some work on the house last year and I kind of put the house on the back burner. Then I had a break up with my ex-fiance whose name was also on the deed of the house so I didn't want to put any more time or money into it until it was solely in my name. Anyway fast forward a year later to now, the deed is in my name free and clear and I'm tired of paying rent and would like to get the house done so I can move into it. The house isn't liveable. its mostly unfinished drywall, plumbing isnt in yet, no flooring, etc. I have enough cash in the bank to get the inside of the house done to where I could live in it. And then probably get a HELOC and use that to finish anything outside But if I do that I would have to do everything very cheaply and I don't want to do that. So I'm on the hunt for financing options that don't require me to be living in the house.

I have no debt on the house, it will be worth a minimum of $120k once its done, and I only need $40k at max to get it there. Problem mostly is I don't think a bank will approve me for any kind of loan while I'm living in the apartment paying rent.

Hoping there is some kind of rehab loan that will work for this situation.