The seller offered financing with 20% down, which I used to buy the place.After starting construction and realizing it was going to cost more than expected, I approached a small local bank that knew the property and would offer the rehab financing. 

This had me thinking if I'm wrong and would like to start a discussion on the subject to see what ever one else does.

Great start to your investing journey! 

So I am starting the loan process over again, for the third time.  

Negotiate alternatives thereafter, but start the clock. 

@David KanarekI see you just started posting here on the site 2 days ago and so far strictly the posts about Norada notes.  

I first started in investing though house hacking.

I'm starting to see more private note holders reach out to get a loan against the performing note they hold. 

That is awesome, congrats on getting started!

I'd love to start hosting asap and I wouldn't allow the guests access to the kitchen (though of course they'd have access to their rented rooms, bathroom etc.).