Brrr closing costs?

[Jeffery Rayome]

We are first time investors. We are trying to do everything without using personal capital. I’m trying to get recommendations on how you guys handle closing costs and other up front costs.

We have our first deal set up. 60 pp 30 rehab. 135 arv. We have a HML set up for 12% and 4 points but covering 100% pp/rehab at 70% arv. They also have refi availability at 75% arv. Our only catch is we will have to pay the 4 points and closing costs which I'm told will come to around 6k.

Can we get a separate loan for the 6k? Don't know how we build that into the BRRR strategy. Prob going to try to ask for seller to cover closing, but that still leaves us with closing at refi and point to pay out of pocket.