.- Yurts: Lenders typically have difficulty financing Yurts as they are moveable collateral.

I am currently looking for a small local bank or credit union that issues lines of credit collateralized with investment property.

You are "borrowing" the money and using your current home as collateral.

They’re not a standard DSCR collateral choice.

There are also 'mezz' lenders (typically for larger transactions) who will cover up to 90% CLTV and require you to bring the remaining equity to the deal, and additionally there is Gap Funding in the form of unsecured personal debt.The latter can potentially be the most expensive option, but allows for true 100% financing as there are no restrictions for how to use these funds, as they are unsecured, and generally obtained through personal credit, income etc (since there is no collateral for obtaining these funds).

The condition is so bad the home is not worth the purchase price for collateral. 

It just feels like I’ve been making a lot of short term sacrifices for long term gains and I have to be really diligent with money management. or I could also just try to borrow money for the renovation, and pay off the line of credit over time, but I feel like that really would limit me and if the stock market(my collateral) went down I could also see some trouble. 

However, it seems extremely high risk as, to my knowledge, it is unsecured and only backed by a 'promise' to repay not any hard assets or relevant collateral.    

Quote from @Jaša Rot: Hello Marshall,thank you for your reply.my idea was to sign a trust deed and promissory note with the borrower so that the loan is secured by collateral.

Our names go on title and our loans have the real estate as collateral so they are “secured loans.”