This doesn't surprise me at all, pretty common. 

Just don’t want to take off too much meat on the front end and cut into my refi $

That's what my clients have been telling me at least.

Originally posted by @Moises Guzman:@Anthony Gioia Hi Anthony just seen your post would Love to get more information from you In financing and hard money if you can dm me would appreciated  Hi Moises,Feel free to call or text me at any time.  

Over the years I've done everything from cooking/cleaning to serving and now managing.  

Added a picture of me at the gym because I'm all into the fitness thing nowadays.  

@Clinton Cook, yes if you are actually financing 100% of rehab, then your cash on cash, pre refi will be much higher %, but your calculated interest expense is also going to be higher.Beyond that, you need to make sure you are able to cash flow after the refi.  

I have a few folks working for me at my self storage facility, both are military vet's and somewhat limited, but have been fantastic!

Also I bought it from a group who buys it distressed, does the rehab for me, and sells it to me at 75% of the expected ARV. 

That being said, I guess any hack suggestions that might work or leads on banks that might provide 90% financing could be a better option for me at the moment.