Funds are beginning to run extremely tight.   

That way, you could use Hard Money to fully fund the rehab before refinancing to agency. 

@Steve EnglehartGet your retirement funds into a self directed IRA.

Where would you find a good mentor to fund the emd and down.

I specialize in investment properties, high-end homes, and commercial real estate, and I run Updegraff Group Realty, a full-service brokerage that helps investors not only find and fund deals but also manage construction, optimize returns, and scale their portfolios.Financing Your First Deal Without Using Your Own MoneyIt’s a common question, and the truth is—it’s very doable, but it requires strategy and relationships.

I can't say when that will be but 4.125 is quite a lot depending on the rate you get.I personally want a hassle free funding experience and the lower rate.

I know NY lenders that can do 100% LTV helocs which might give you that extra flexibility.

Is a lender actually quoting you a 90% LTV?

What is your current SFH worth, and what LTV is the lender quoting you?

I am also interested in exploring available funding opportunities.