When playing cards with your own money, you play much more conservatively.

You will take a small hit on your score when you apply but it will go back up within a couple months of taking out the loan (assuming your paying all your bills on time).Make sure you pay your credit card bills BEFORE the statement cuts, that way your utilization reported to the credit bureaus will remain low which will raise your score.

Otherwise you could pay for the rehab using an unsecured loan or credit card.  

I also have a card on my desk for Jason with RJ Construction (specializes in decks, fences, etc) but I haven't had an opportunity to try him out yet.

I have attached sales cards for each of these housing units to this email.

I mostly used credit cards for that.

I'll have to find out the formula the banks use for commercial loans and hope they are more lenient than the typical debit to income ratio they use for conventional residential.

IE too many bad loans and uncollectable's  but if they charge interest like credit cards then they could afford a high failure rate.Any one care to comment or post personal experience...

I got their card being they were doing a presentation on the new closing laws going into effect.  

@Cesar ContrerasYou're welcome, I'm glad I can help.In terms of getting funds, there is hard money, credit cards, and other ways.