Funding for a renovation on a primary residence

[Thomas DiGregorio]

I'm hoping someone can shed some light on options to fund a renovation on a primary residence. To be a short as possible, I recently bought a home that I plan on living in and converting to a two family. It is currently a SFH with an in-law apartment. I owe $312k on the home and the current appraisal is 390k. The renovation cost is estimated at $250k and the ARV is $650k. The obvious thing I can do here is use a construction loan from the bank but I unfortunately need a 720 credit score to do so (currently I am at 680). I've talked to a few hard money lenders and have learned that hard money lenders do not do owner-occupied loans. Just trying to see if there are any other options out there, would greatly appreciate it.