Depending on the repair (reroof, new electrical system etc) reputable and solvent contractors can be open to being paid at closing.There are also third party companies such as Curbio that can be a fit for this situation.

For firsts I have seen one company recently doing 30%+ on first position liens.

I do private lending in a self directed IRA with Equity Trust Company as my custodian.

We designed our company Winnow to be a huge time-saver. 

My company for my personal house covers my STR very reasonably.

1st step is to make sure that the electricity is rated for having electric heat by the electric company.

I've had pretty good success the last couple years with a combination of house hacking and building Accessory Dwelling Units.

If you choose to do the lien, have an attorney or title company draw it up for you.

Question:  Does your company do the nuclear gun-type tests to determine if lead is present? 

@James Dugan, Fort Worth has been known to crack down on PadSplits, but I do have several clients that are successfully operating there regardless.