Is there a lender who will lender who will give the construction budget right at the closing (when I purchase the property)?

If there's anything I've learned over my entire portfolio, is that there are always more projects around the corner, they take longer than you think, and they're more expensive than budgeted.

Depending on the rehab budget, you would be looking at up to 90% of the purchase price, 100% of the rehab, capped at 75% ARV. 

Challenges included navigating owner hesitations, coordinating renovations within budget, and managing high expectations for occupancy and pricing in a competitive rental market.

The purchase prices were 170k and 180k respectively and the budgets were 90k and 100k respectively and they could've gotten a better rate with a credit union, but a credit union will not supply the rehab funds - HML does.  3) The application would be taken in, project numbers would be held up to lender guidelines according to your exp and your credit. 

Your budget can not dictate the safety of the project and your relationship with the town and permitting.

I would like to invest in long-term rentals and I'm interested in having monthly CASHFLOW, unfortunately my initial budget cannot exceed $20,000 as a down payment, and my credit score is very good.

Too many people forget to budget for this 

It's a binary decision if it's in their budget.

if you have limited resources, you need to plan accordingly to your budget.if your budget is Zero, you need to use free marketing methods like calling all FSBO in your area and landlords with houses that are outdatedif your budget is $250 you can use other strategies like skip tracing, driving for dollars, cold calling or door knockingif you have a larger budget you can do Direct mailing campaigns but to hard to find list, where the competition is small Adjust your marketing based on your monthly budget and be consistent for 3 to 6 months to see resultsIf you don't have lots of capital, consistency if the key over time