Hard money, private money, joint ventures, even lines of credit secured against existing assets—there’s a ton of capital out there looking for strong operators.

(My jaw hit the floor, too...)So, I gathered some partners - and we used our LLCs to apply for 0% interest business credit cards to fund the furniture.

The first mistake is the property is free and clear.  

I work with a credit union that does HELOCs nationally.

Feel free to reach out please.

An LLC is not free.

Assuming your debt is SUPER cheap and only costs you 12% you’ll save $22,800 TAX FREE  So the combination is saving $60k at 12% (or more) is $7,200/yr and $130k in the bank at only 4.5% is another $5,850/yr  so you’re over $13k GUARANTEED instead of a chance to make $7,200 before taxes  

The credit cards can be stifling, but in the grand scheme of things, $40K isn't a ridiculous amount.

You can work with a local credit union that does HELOCs, Home Equity Lines of Credit or Loans, on investment property.

What matters more is whether the borrower in question has the (i) time, (ii) contacts, (iii) experience, and (iv) ability to effectively communicate & package their loan request to banks & credit unions in a way that is compelling to those lenders.