Lowest cost for funding fix and flips?

[James McGovern]

In my travels, I have found that private money lenders who use their own capital to be significantly cheaper than hard money lenders. For private money I have consistently received 10% interest with one point in origination and no other fees whereas hard money always piles on additional fees ranging from fees for applications, documentation and so on all at least a thousand dollars 

I am curious if anyone had identified funding sources that are lower cost when compared to either private money lenders or hard money lenders such as Kiavi or Conventus?