For those who’ve used it, what strategies or sources have worked best for you when covering the difference between your loan and the total project cost?

You can also do value add STR & Multi-Family Rentals by starting with distressed properties and using a bridge loan to acquire them with a lower down payment compared to a DSCR loan.Networking – Connect with local investors, wholesalers, and realtors in your target markets.

The interest rate on a HELOC or Heloan may be better than the personal loan. 

So I did a 3-2-1 buydown and secured a 2.875% interest loan for the first year of the loan, and it will gradually go up a percent each year until it hits my rate of 5.875%!

Bridge loan.

@Adam Newman yeah, not understanding your statements, "I have $50k plus about 7k in the bank" and "take out a loan and go in with 20% from the start?".

The typical term of this loan is 12 months and rates range from 10%-12%.

Hard Money Loan and HELOC on my own house.

The problem was, they only had enough money for a 3.5% down payment and an FHA loan.

I am looking at different loan options but to break even (not having to put any money of my own in the house after the initial down payment) the current down payment required is that much.