The rest can be invested in other alternative investments like metals and even trust deeds which are not subject to UBIT.  

If you have good credit, the alternative to hard money transactional financing is a credit line alternative.

A little cash can go a long way with this strategy...takes some time to learn, but once you crack the code, you shouldn't have any issues acquiring new properties.Contact for deed and lease options are the other alternative...and private money...but you still will need skin in the game.

@Robert Grant i always read about these alternative ways of securing financing but i always feel like their these mystical creatures and i just don't know how to find them. that's a high rate in my opinion but not without an upside. could you possibly point me in a better direction then Wells Fargo ?

One alternative would be to ask for a professional appraiser to help.

So we're looking at alternative options for getting this $100k financed.

You can hold on your RE bay area  investment plan for possible other alternatives, such as equivalent investment in out of the state buy and hold rental properties that will provide better returns in terms of the equivalent ratios, or keep your money locked at this time.For other investment plan alternative besides lending your money for passive income, PM me and we can discuss in detail how you can structure your RE investment plan as possible suitable GAP investment  you can control while timing for your next move in bay area RE buy and hold for rent in the next cycle, if there ever is going to be an opportunity.

Although private lending is a great way to invest I will offer an alternative idea to you and all other readers on this thread.

This weakness is not good long term and people will mostly come to Newark if their jobs are there (as Harrison and other places are much better alternatives).

quality company.... and for someone living in AU.. this is a great alternative to owning assets wholly.