How can I refinance? Seller finance?

[Rudy Munoz]

Purchase price: $118,000

ARV: $171,000

Borrowed: $22,000 (closing costs, remodel, utilities, mortgage)

Financing: Hard money (11.99%, 6-mo no interest)

Bought my first flip in March, tenant didn’t move out til April, began remodel and just finished. Home is ready to be sold. I kind of want to hold on to the property, but I need to pay back my investor, can’t cash out refi, credit isn’t there.. what can I do????