Financing an ADU for STR

[Isaiah Jernigan]

Hello BP. So I recently purchased my first house hack in Durham, NC about two months ago. My original plan was to put 3.5% down and use the rest to build an ADU in the back yard (and use it as a STR for cash flow) and refinance after a couple months. But I couldn't qualify for the FHA Loan so I had to put 10% which ate up most of my cash. Im in the process of building my reserves back up but I was wondering if there were any Hard Money Lenders that would lend 15-20k for a new construction ADU. I would preferably like to work with someone local, so If you have any good recommendations or other creative financing solutions I would appreciate the feedback.