I am currently in the middle of a large renovation project on my home, which I am converting into condos and plan to flip as soon as the renovation is complete in early December. Originally I was planning to have a partner investor, but at the last minute he backed out and I had to figure out a new financing plan. I have already taken out several personal loans to fund the project so far. Now, when anyone looks at my credit report it appears that my ratios are too high. However, two of those loans were a part of a Massachusetts energy efficiency program that incentivizes heating and cooling system upgrades by providing substantial rebates, refunds, and other incentives including no interest loans. I am in need of approximately $30,000-$40,000 more but I am having difficulty securing the money because of the ratios that show up as a result of the recent credit I have taken out. The term of the loan will only need to be very short, as these two condos will be going on the market within the next 4 to 6 weeks. This deal is rock solid and am expecting to reap a net profit in the six figure range, and if I could have the opportunity to present the details of the project to the prospective lender as opposed to having a default decision being made simply after seeing my credit report, I am certain any lender would have confidence in making the loans. I would greatly appreciate any suggestions about where I can secure this funding as quickly as possible, even if it's a hard money lending type of the situation. I also realize that for hard money loans, I have been told several times that I could not get this type of funding because I am an owner and currently living in the property. Also, since I already own the place with an existing mortgage, hard money lenders have so far been unable to help. Any advice that could be provided would be greatly appreciated.

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Advice on funding options when over-leveraged

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