In this situation, I would try to use a line of credit or credit cards to float the EMD.

Not hairline crack but a continuous crack probably about 7-8 feet long and wide enough to put a credit card into the crack. 

I will pay cash or put them on a credit card, depending where I am in my funding and build cycle. 

I get around that by using my Credit card or HELOC then going by the Credit Union later to transfer funds.Hope this helps.

Does a credit card company say their cash flow is unpredictable because of late payments and defaults and charge-offs?  

For example, I've recently spoken to someone about their MTR in Montgomery and they shared their MTR experience has seasonal occupancy, hard to find boots on the ground, contractors are slow and many do not take credit cards for payments, etc.

Otherwise you could finance by credit card, bridge loan (use this property as a collateral) or HELOC.

Physical asset investing does not grow linearly, you'll get some jabs in the face, maybe a tight slap like an AC stolen or a tenant flooding your bottom floor.

And does your calculation take into consideration the fact that an entire town can burn down, and the only assistance the government will give you is a $700 gift card? 

Letters and post cards work well if they are prepared well.