How to finance the down payment

[Dan Kim]

Hello BP community,

Before I place an offer on a single family for use as a rental, I'd have to place a contingency on my offer based on finance approval. For 385K and the home needing some repair, are there creative options to come up with the down payment (20%, non FHA-VA)?

If I’m not mistaken, hard money lenders are more interested in distressed homes, which this is not. Would appreciate any advice. Thank you!