Creative financing for a pool?

[Rachel K.]

I'm looking to purchase a home in the California high desert to live in for a while then double as an Airbnb and looking for a creative way to finance a pool. I want to move fast in this competitive market so I'm wondering if it's possible to purchase with a traditional loan and then refi soon after with a Fannie Mae Homestyle construction loan to get a pool built in. I understand construction loans take about 60 days plus you have to work with an approved contractor and I'm concerned I will get beat out by other buyers who can move faster. Any other ideas for creative financing for luxury items? I'm brand new to this and just in the research phase.