Want higher that 80% LTV, is there a way?

[Jeff Gebhart]

I own 9 units with a partner and have done a few flips. We have been pretty successful with our flips. Last year I did one on my own and got into a "money pit". Even though I felt I know how to estimate rehab costs, this house was "one of those" that had more surprises then I wanted. I always put in 20% for contigencies in our flips and I exceeded with this project. The project turned out great. But since my costs are 100% of what the market value of the house is I decided to rent it out and buy some time. Total cost of house when done was $95,000. I rent it out for $830/month and will be moving that to $900 on the next lease renewal. It is a 2 bedroom, was going to install an egress in basement for 3rd bedroom but other unexpected costs dug into project (I do plan to go back and get that done next spring). I think there is more potential in this house as the area is starting to take off. I have a loan for 80% LTV and self financing the 20% left over (as the appraisal was $95,000). Would like to get my cash back to move on to the next project and make this project. 100% loans are probably not possible, but does anyone know a what to get as close to 100%? Rental income would be more than sufficient to cover mortgage, insurance, taxes and repairs (although it was just went through so no big costs "should" come up). Right now I am 5.25% on $75K. Trying to figure out a way to get most of my expenses for this house under one loan. Would love to hear any suggestions. Thanks!