Financing Renovation without tapping equity

[Kyler J Sloan]

I am in the process of getting a short-term rental ready, but made the mistake of applying for renovation loans AFTER the mortgage went on record, making my DTI too high to qualify for personal loans such as Sofi. In addition, I have to wait six months until I can take out a HELOC on the property (this is my first property; so a HELOC is not possible on anything else either).

If I would like to start renovating ASAP, what would you recommend? 

I know many will say a "no-interest credit card", but I think the DTI issue would greatly limit my maximum balance, and the inquiry plus new credit would damage my credit report.

I am considering waiting a bit longer until I get an anticipated 44% raise and re-applying for Sofi and Light stream (among all others I can find), at which point my DTI should be low enough.

Thanks in advance for any feedback.