This is my first major rehab and I'm trying to be creative about stretching my budget.

I paid off the loan to cure the DOS.There are a couple of "subto's gone bad" over in the creative finance forum. 

If seller financing is the route you go, you might consider getting creative with the structure to make it work for both parties.

Hey @Brandon Toron,Given your plan to turn the property into a short-term rental (STR), you have a few creative ways to push closer to that 90% cash-out goal, even if traditional lenders shy away from it:1. 

I'm enjoy the challenges of finding creative solutions through the numbers and negotiating what can work for both the buyer and seller. 

Projected return around 9 percent.You are a good writer.

You can also find reliable, more than worthy, creative, legal and ethical basic as well as advanced real estate courses on line!

If they’re really in a bind, you could even explore something creative, like seller financing or a subject-to deal (where you take over their mortgage payments).

Are there other creative options I haven’t considered?

You can get started with rent to own/lease option or another creative strategy like buying subject to.