I mean if you have specialized knowledge its fair game to charge for it..PuuuLEASE, it is far from the "same" program".

Another possibility is looking into a home equity line of credit (HELOC) on your personal residence, which could help you tap into available equity without a large lump-sum repayment upfront.

Keep your payment at no more than 35% of your income and minimize your credit card and auto debt.  

I am considering doing this with a 0% APR credit card to avoid a loan. 

You just have to make sure you're using someone that actually knows what they are doing and not someone that throws it to a lender that specializes in Conventional Loans.

I have been doing this for 13 years and I specialize in it. 

Depending on what your goals are a line of credit might be a good idea to give you access to quick cash for another acquisition  Thanks, Michael,I've protested taxes and I'm considering a cash out refi for another property.

Was the loan from a bank or credit union? 

We specialize in affordable housing in Indiana.

I would look for a low interest line of credit to put on the property and lend at a higher interest rate.