Help with 1st time financing rental

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Hi everyone. Any advice appreciated here for my first purchase!

I just wanted to see how specifically you would recommend financing this deal. Purchase price is $113,500 with approx $20,000 in repairs. ARV of $165-$170K. Can get rent for this at $1100/mo or better. We have decided to keep & rent rather than flip, so a hard money loan wouldn't work. We basically would need to finance $133,500 total to have enough money for repairs, we guess, but a normal mortgage won't let us go above the sales price of $113,500, obviously.

We could mortgage & put the repairs on a credit card, but short term the cash flow of the house would not let us pay the credit card off quick enough.

The seller cannot finance at all since he needs to pay heirs, so he needs the $113,500 at closing.

I do not yet have any private investors.

Any help/guidance/suggestions we would greatly appreciate!

Thanks so much for helping us get off the ground with our first house!

Jeff