How do I use loan to value to cover entire flip costs?

[Cameron Johnson]

I have several potential flips going and every local bank I speak to wants around 80% of the ARV of the property or 90% of the cost, whichever is lower.

My issue is that the 90% loan to cost is always the lower of the two, which means they will require significant investment of money on my part, which I dont want. 

Is there any way around this? Most of these flips have good profit margins, they arent particular risky deals but I want to limit my investment of money to a minimum. 

Thanks!

[Nate Sanow]

I've gotten 100% LTC using HML. Try to look for good hard money lenders and when you compare the rate against the rest of the terms HML still wins.