I think you will benefit from a true private lender, as they don't require too much paperwork for draws and it can be as simple as submitting a form and taking pictures and receiving the draws in 24-48 hrs.  

@Taqiyyah Ellis, a business loan/line of credit or private lender will likely be your best and most realistic option.

A 0% APR credit card is a smart move for materials, but for labor costs, you might explore a private or hard money lender, especially since your loan term is only 3-4 months.

Here’s a breakdown of the main ways investors fund their first deal while minimizing their own cash outlay:1.Private Money & Hard Money Loans– These lenders focus more on the deal than on your personal finances.

Just curious, are you lined up an agent in that market and also connected to a lender?  

Is he liable or the lender?

It could be a great option for your client's needs, or at the very least, a starting point for comparison with other lenders.

Have you reached out to lenders like BackFlip, Bridgewater Capital, or Kiavi yet?

I'm confident that many private money lenders on here would love to help you, and I would be happy to assist you as well.

Lenders often require 30-40% down.Cash flow considerations – Since all expenses must be paid from your IRA, maintain liquidity to cover unexpected costs like repairs and vacancies.Rental properties vs. commercial deals – Residential rentals and commercial properties can both be great options, but keep in mind management complexity and income stability.Generally speaking, stay compliant – Avoid prohibited transactions, such as personally guaranteeing a loan, living in or personally managing a property, or transacting with disqualified persons (yourself, spouse, ascendants, or descendants).Diversify your portfolio – While syndications and real estate are great, consider mixing in other alternative assets like private lending, tax liens, or even notes for additional risk management.Work with the right custodian – Make sure your SDIRA custodian is well-versed in alternative investments and has experience handling syndications and non-recourse financing.If you’re looking for specific lenders who offer non-recourse loans, I’d be happy to point you in the right direction.