Help with creative financing

[Nick Capriotti]

Hello everyone,

     So im 19, with no tax returns to state my income, credit karm tells me my credit score is 673. Im looking for way to finance my first properties in order to build my bankroll to use  conventional funding. I have talked to a few hard money lenders and their terms are  50-75% down with 10-16% interest rates. Is this really my only option at the time. Loan amounts will range from 100-250k. 

I have a partner who is a contractor who will cover the construction and i need to find funding to purchase the properties. We are currently are only working with SFH. Ive already lost one deal due to no funding and i would not like to lose more beacuse of this.

Thank You BP!