Working on my first deal but now held up

[James Moore]

I found a pretty awesome deal and started working on a 0 down hard money loan. I was getting pretty excited until they told me there is a $3595 upfront membership fee but they give $2k back after the loan is paid off. This $3595 completely holds me up. The whole reason I have been looking for $0 down is because I don't have extra money to put toward anything but want to get started. Any ideas? Family is a no go.