Lump Sum Payment at Closing - Reality?

[Robert Jeffords]

I'm a new real estate investor and to date I have assigned two contracts. I really want to take on a rehab of my own, but like many people, money is a major obstacle. I have a team of contractors lined up, my A-Z game plan, but I just straight up can't afford the interest-only monthly payments from lenders. I'm told that some private lenders will do a lump sum payment once the house is flipped, but pitching that deal structure to an investor when I don't have a portfolio of work AND have never worked with them before is a hard sell. Am I in fantasy land thinking that somebody out there will lend 100% of purchase & rehab costs and also be ok with full payment after closing? Even though I'm confident in my numbers and in my ethics, if I put myself in the investors shoes, it seems very risky. Has anybody ever started out in my position and found a lender who was ok with those terms? Do I need to get a grip on reality and rehab when I can afford the monthly payments?

Thanks in advance!