I hired a private adjuster as the initial claim came very low.

I cant say for sure since I dot know your score, your income and your total debt. if for some reason you dont qualify for conventional financing then seek out private money.

I saw a duplex that I wanted more information on so I sent an email.  

Hello all- new here to posting on the forum but have been following and reading up the past few months and had a quick clarification question on private money loans and refinancing with BRRRR.I would just like to make sure I am thinking about this situation correctly.Let's say I were to buy a duplex for $80,000 that needed $20,000 in rehab that would put the ARV around $120,000 and was able to obtain a private money loan for the $100,000 at 10% interest could I then rent out one side of the duplex, move into the other side and refinance after a 12 month seasoning period?

I've owned in rent-controlled LA and it is terrible especially when a tenant abuses the system and knows what they're doing.Better Housing For Long Beach "BH4LB"http://www.BetterHousingForLongBeach.comSign up for their email list for LB rent control news.They're to push for rent control and just cause eviction [essentially you cannot evict someone without a real reason not just the current 60-day notice].Why Rent Control is bad for affordable housing:http://www.grassrootinstitute.org/2016/09/rent-con...http://www.gazettes.com/opinion/another_view/anoth...If you own anywhere in California this thing could spread, so it's best to stop it now in Long Beach.Call your local representatives and city council and get the word out.

I do flip/development projects in the San Gabriel Valley and North East LA area and own several apartments out of state.Send me a message or email if you want to meet up and discuss more.

No missing vital information in the private section of the mls about how to make an offer. 

Are there any creative ways to get this money through private lenders, etc for the down payment?

Maybe finding a private lender is a better option. 

@Phil Leonard I'll address these one at a time:Capital - if someone doesn't have the capital necessary, then it's time to go seek private money...or in other words, a partner.