Hey @Cameron MarroPersonal Loan or Line of Credit: If you have decent credit, a personal loan or line of credit could give you access to the cash you need for renovations without using your property as collateral.

Since you're focused on equity appreciation, consider long-term rentals in growth areas (e.g., Smyrna, Decatur, Marietta), new construction or turnkey rentals for lower maintenance, or small multifamily properties for stability.

I can likely do this loan, but in all fairness, with this type of loan I suspect a community bank is going to beat me out.

Financing options do exist: hard money loans, renovation loans, and some traditional mortgages can be used on distressed properties if criteria are met.

Is it hard money loans, angel investors, etc?

Why do you say its bad for the original owner long term?

It may not be “sexy”, but it works with a low risk and long term wealth building  

I am looking at different loan options but to break even (not having to put any money of my own in the house after the initial down payment) the current down payment required is that much. 

Similar to what Patrick stated - most have ITINs and have seen a lot of loans like that and those are sold many times on secondary market. if not I know people who still originate I would say they are tougher to sell on secondary market but there are still buyersRe: jay comment - price of notes has doubled over past five years on many loans - especially defaulted or loans with some hair too them. 

House Hacking, STRs, Mid-Terms, and BRRRR are all solid strategies to explore.