Go in person to the planning department and talk to them.

Any insights or personal experiences would be greatly appreciated!

Yes, they can dispute the charge and then the CC company will have to open a dispute that you will have to answer to attempt to get your money. 

Typically, the initial upfront for the rehab is either cash or a high interest loan (hard money or private). 

Quote from @John Fleming: I don't have any personal recommendations, but something below may help you in the search.Start by going to www.narpm.org to search their directory of managers.

Quote from @Jaycee Greene: Assuming you pay asking price, I'd estimate the down payment for something like that using a hard money loan (HML) would be around 40% of the purchase price and your monthly payment would be $2,600 with an interest rate in the low 7% range (probably need a 700+ credit score to get that).

And I will always be against delaying the receipt of money, no exceptions, including for tax reasons.

To have standardized increases would either take money out of your pocket or create turnover.

Quote from @Chris Seveney: Over the past quarter, I have seen around $1B in defaulted fix and flip loans - many of these from new lenders since 2020 and more of a "tech platform".As we all know, the intersection of tech and real estate investing has brought incredible innovation, especially in hard money lending.

Do you want to raise more money faster?