Best Way to Fund Live In Flip?

[Tim Porsche]

Hi All, I'm planning to do a live in flip sometime in early 2017, probably around April or May if all goes well. I'll be looking to buy a distressed property in the $60,000 - $90,000, and should have roughly $25,000 of my own money to invest as a down payment. I'm hoping to finance the rehab costs with an 18 month interest free credit card with a $20,000 limit. I'll be doing as much work myself as I can, along with a handy family member, and will just be hiring out the skilled trades, so I think $20,000 should be enough for the type of houses I'll be looking at. I plan to do the work over the course of a year and then sell, as I'll pay a much lower capital gains rate that way.

My question is, given the information above, what would you recommend I use to finance the flip? Hard money, private money, crowdfunding, an online flip lending service, or something else? Hard money will be very expensive for a year+ loan and will really eat into the profits, so that's at the very back of my list right now. Any advise would be greatly appreciated. Thanks!